"And one of the things we did here was we put the maximum amount of money up front in those cities that were at the greater risk, but that doesn't mean that we keep rebuilding the same security over and over again"
"Given the choice, children who don't want for anything will not save... We have an obligation as parents to give our children what they need. What they want we can give them as a special gift, or they can save their money for it"