Joshua Chamberlain

Every pioneer and musician who could carry a musket went into the ranks. Even the sick and foot-sore, who could not keep up in the march, came up as soon as they could find their regiments, and took their places in line of battle, while it was battle, indeed.

This is the great reward of service, to live, far out and on, in the life of others; this is the mystery of Christ, - to give life's best for such high sake that it shall be found again unto life eternal.

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.