Quality is not an act, it is a habit.
Go for it now. The future is promised to no one.
After a storm comes a calm.
The most effective way to do it, is to do it.
Never complain and never explain.
Who seeks shall find.
Be gentle to all and stern with yourself.
It's always too early to quit.
Know or listen to those who know.
I can, therefore I am.
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.