Be gentle to all and stern with yourself.
Quality is not an act, it is a habit.
I can, therefore I am.
The dog that trots about finds a bone.
If you think you can do it, you can.
The most effective way to do it, is to do it.
After a storm comes a calm.
Be thine own palace, or the world's thy jail.
If you're going through hell, keep going.
Things do not happen. Things are made to happen.
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.