"The banks are not lending, at least from what I see. They were so wild and reckless back in the good times that they got burned terribly."

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Even when I wrote Basic myself the day before I burned it into a computer I wasn't making design changes. I didn't have a testing team. I did all the testing myself. And there was no project methodology or schedule that, there was the notion of coming to a close means testing a lot at the end and making very few changes.

— Bill Gates