Times of heroism are generally times of terror, but the day never shines in which this element may not work.
Ralph Waldo EmersonDebt, grinding debt, whose iron face the widow, the orphan, and the sons of genius fear and hate; debt, which consumes so much time, which so cripples and disheartens a great spirit with cares that seem so base, is a preceptor whose lessons cannot be foregone, and is needed most by those who suffer from it most.
Ralph Waldo Emerson