(FORTUNE Magazine) – -- DAVID MULLINS JR., 46, vice chairman of the Federal Reserve, on why the Fed should resist pressure from businesses that want more loans and not relax capital requirements for banks: ''We've been down that road before. The first few miles are very enjoyable, but the ultimate destination is very unpleasant.''

-- ANTHONY DOWNS, 62, a senior fellow at the Brookings Institution, on what to do in traffic jams: ''Learn to enjoy congestion. Get a comfortable car with a stereo, perhaps a fax machine, and commute with someone who is really attractive. Then, regard the moments stuck in traffic simply as an addition to leisure time.''