"When I trade, I don't have an agency problem; I have my neck on the line. When a bank or banker trades, it's not his neck on the line."

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The primary rocks, ... I regard as the deposits of a period in which the earth's crust had sufficiently cooled down to permit the existence of a sea, with the necessary denuding agencies,-waves and currents,-and, in consequence, of deposition also; but in which the internal heat acted so near the surface, that whatever was deposited came, matter of course, to be metamorphosed into semi-plutonic forms, that retained only the stratification.

— Hugh Miller