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As the Great Recession grimly illustrated, when a period of soaring real-estate valuations and rising household debt is followed by a period of falling prices, and households attempt to deleverage, the results can be catastrophic.

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When I joined the Skype for Web team, we initially did two-week sprints, and followed the usual Scrum processes.

So the first project, which will be built next summer, is an open-air farmers' market downtown, followed by bus shelters for the school bus system in the second year and home improvements for the elderly in the third year.

And as they made their way out of the South, away from Jim Crow, they followed three beautifully predictable streams as is the case in any migration throughout human history.

And since I said they're my role models, I followed two things which my father and mother gave me.

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