Josh Billings

One of my favorites has always been 'Swap Meet.' One of the reasons why I like that is it's a song that's in a drop-D tuning, and of course, also being a guitar player, it's one of the songs that I really like the riff on it.

Leverage is great when it works, and when it doesn't work, it creates a lot of issues. So I think if you limit the amount of leverage that people can borrow, or that banks can borrow, I think you'll find that you'll have a lot less issues going forward.