“This is the basis for the most important critique of microfinance. The poor are not entrepreneurs. The idea that more than a few will turn tiny loans into a viable business is simply unrealistic.”

“Having a great idea is simply not enough. The eventual goal is vastly more important than any idea. It is how ideas are implemented that counts in the long run”

“private loans will utilize existing resources and capital far better than government loans. Government loans will waste far more capital and resources than private loans. Government loans, in short, as compared with private loans, will reduce production, not increase it.”

“Changes made to please others are unrealistic, but more important, they're unfair to you.”

“A rationalist is simply someone for whom it is more important to learn than to be proved right; someone who is willing to learn from others - not by simply taking over another's opinions, but by gladly allowing others to criticize his ideas and by gladly criticizing the ideas of others”

“Somewhere during the process of intellectual development there was a disconnect in the believer’s ability to discern fantasy from reality and the outlandish, scientifically impossible, physically unrealistic, historically erroneous, intellectually retarded drabble that is contained within the pages of the bible became not only viable, but a more accurate representation of the truth than, well, the actual truth.”