A lot of the problems in the mortgage world, people said, were because our competitors were evil. But a lot of it was a lack of technology - bad processes and systems.

People my age, we would hear from our parents and grandparents who were raised in Detroit about how great this city was from 1900 to the '60s.

A mortgage transaction is very complex, very complicated, and very localized - the rules are not just by state but by county, sometimes even by municipality.

First thing I said to him was, 'LeBron, you know this is true. We had five good years and one bad night'. Like a marriage that's good, and then one bad thing happens, and you never talk to each other again.

We can't simplify these world problems with evil and good. The problem is so complex, so great, and diplomacy is the only way to go.

If you were blessed with a fortunate position... why wouldn't you want to impact the world around you as much as possible?