Begin to be now what you will be hereafter.
Be gentle to all and stern with yourself.
Know or listen to those who know.
Expect problems and eat them for breakfast.
If you can dream it, you can do it.
If you're going through hell, keep going.
After a storm comes a calm.
Always desire to learn something useful.
Things do not happen. Things are made to happen.
Quality is not an act, it is a habit.
You can design a mortgage system that is different without a Fannie and Freddie, but there are principles you have to have, to have a good system.