Sam Scudder Quotes & Sayings

And you'd see that 2/28 interest only ARM mortgages were only 5.85% of the pool in early 2004, but by late 2004 they were 17.48% of the pool, and by late summer 2005 25.34% of the pool. Yet average FICO [consumer credit] scores for the pool, percent of no-doc ["Liar"] loan to value measures and other indicators were pretty static ... . The point is that these measures could stay roughly static, but the overall pool of mortgages being issued, packaged and sold off was worsening in quality, because for the same average FICO scores or the same average loan to value, you were getting a higher percentage of interest only mortgages. — Michael Lewis

The Andrew Principle is when the incompetence of an organization exceeds the incompetence of certain individuals within that organization, thereby allowing their promotion within said organization. — Chris Alexander

I watched the first moon landing at a bar in Paducah, Kentucky, a fact worth mentioning only because I still remember how suddenly silence descended on this raucous place when Neil Armstrong started coming down that ladder. — Pamela Sargent

I love my liberty too well to be in a hurry to give it up for any mortal man. — Louisa May Alcott

Why children?' he asked. 'Why always children? For love to end where it begins is far more beautiful, and Nature knows it. — E. M. Forster

When you confront, you save yourself a lot of sorrow. — Sunday Adelaja

If your faith is threatened by something that's true, then it wasn't much of a faith to begin with, was it? — Rob Bell

Keep reaching out because you may help pull someone out of darkness and guide them into light. - Caroline Naoroji — Kathryn Perez

You have to try to imagine an ideal reader, who's neither stupid nor able to know what your thoughts are. — John Ashbery

Modo, et modo, non habebent modum.
By-and-by has no end. — Saint Augustine

Most bands are commercial enterprises. But I'm not in one of those bands. — David Johansen

Life ain't easy and you don't get do over's so live it out loud with gusto. — Cree Nations

It might have been my human side clamoring for blood, or my alien side looking for a chance to exercise strategic dominance over a lesser life form. Either way, I was going to win. — Stacey Kade

Tell me, son... have you ever been intimidated by anyone?'
'Oh yes,' said Thomas.
'I don't believe it. By whom?'
'By Our Lord... on the altar. — Louis De Wohl