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"The best and most beautiful things in the world cannot be seen or even touched - they must be felt with the heart."
A well-designed deposit insurance system can prevent bank runs without creating excessive moral hazard.
People are always blaming their circumstances for what they are. I don't believe in circumstances. The people who get on in this world are the people who get up and look for the circumstances they want, and, if they can't find them, make them.