“He became convinced that ordinary commercial financing could be done for a service charge plus an insurance fee amounting to much less that the current rates of interest charged by banks, whose rates were based on supply and demand, treating money as a commodity rather than as a sovereign state's means of exchange.”

“A system of capitalism presumes sound money, not fiat money manipulated by a central bank. Capitalism cherishes voluntary contracts and interest rates that are determined by savings, not credit creation by a central bank.”

“Charging a premium amount allows me to offer a premium service.”

“Read books are far less valuable than unread ones. The library should contain as much of what you do not know as your financial means, mortgage rates, and the currently tight real-estate market alow you to put there.”

“Don't you worry about that, Mr. Adamsson. Why don't you head back to Reykjavik and spend some of that extortionate fee you charged me for a couple of hours' usage of your frankly third-rate restaurant and perhaps find a friendless tree stump to listen to your woes?”

“I would rather be told an R-rated truth than a G-rated lie.”