It is the quality of lending over the quantity of lending.

Quality takes time and reduces quantity, so it makes you, in a sense, less efficient. The efficiency-optimized organization recognizes quality as its enemy. That's why many corporate Quality Programs are really Quality Reduction Programs in disguise.

When you dwindle down quantity, what you are left with is quality

i had fired 9-millimeters before and didn't like them. they weren't as accurate as my .38 special. they weren't as safe, and they could jam. i had never been one to substitute quantity for quality, and there was no substitution for being informed and practiced

But it's about quality, not quantity.

Human being always want to increase their type of family, community and population, so they care about quantity not about quality.