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.

The government has the right to change laws and rules and regulations.

You read constantly that banks are lobbying regulators and elected officials as if this is inappropriate. We don't look at it that way.

Don't do anything stupd. And don't waste money. Let everybody else waste money and do stupid things; then we'll buy them.

Just because you have a good hand today doesn't mean it's good tomorrow. And some of the things we're doing may become very disadvantageous at some point.

My daughter asked me when she came home from school, "What's the financial crisis?" and I said, it's something that happens every five to seven years.

Our plate is full. We have a lot to do building our company organically and that is our key focus.

We're going to do the right thing for the company and our customers, all things considered.

Businesses can be opaque. They are complex. You don't know how aircraft engines work either.

We have built a very good company, and we're proud of it. We also recognize that much of it has been built on the shoulders of the thousands of employees and leaders who have worked here before us.

You never know exactly how new policies are going to work. That doesn't mean you shouldn't try them.

i carry your heart with me(i carry it in my heart)

His hand came out and captured her by the chin. She froze, finding it hard to breathe as he gently raised her face to meet his gaze.

Our humanity consists in our ability to sense and respect and respond to the humanity of others.

Your mind is a Microcosm of strength and power. There’s all the magic you need in it. When all else fails, search within!

As an entrepreneur, you have to be OK with failure. If you're not failing, you're likely not pushing yourself hard enough.

The eye, like a shattered mirror, multiplies the images of sorrow

The less time you spend with Truth, the easier it is to believe lies.

You cannot undo the past; you can only learn to live with it, find some way of making peace with it, and move on.

I like to touch things. In my house I have a lot of velvet drapes and thick, lush couches.

If we read the Bible asking first, 'What would Jesus do?' instead of asking 'What has Jesus done?' we’ll miss the good news that alone can set us free.