Oftentimes, you give other people too much credit, and you don't give yourself enough.

I wish that the credit strategy that has been in my head for 10 years, that we just started a year ago, I would have started 5 years earlier. The amount of success that we are having now would have been incredible to be 5 years further.

We plan, and God laughs, and so here we are. No problem. Right? So, originally, I wish I had done that. I wish that I would have personally given myself more credit earlier.