People who understand how to negotiate are always going to do better.

Other people tend to value you the way you value yourself,

People talk about goals, goals, goals but the important thing is to win the game. If we win 1-0 and it's an own goal we will take it.

Court is only a recourse for those people who have broken communication with the company. If [lenders] cannot communicate with you at all, some companies view justice court as a chance to, as they say, kick it up a notch.

We're overwhelmed with folks here. Our shelters are full here.

Last year was the first year we did this. We started talking about it four years ago, ... Last year, we decided to head it up and make it a project.