(FORTUNE Magazine) – -- PATRICE TSAGUE, 21, president of Multi-Cultural Youth Education, a Washington, D.C., nonprofit designed to foster entrepreneurship in young African Americans: "If we're old enough to kill each other, then we're old enough to start our own businesses." -- RICHARD C. BREEDEN, 44, former SEC chairman, now a Coopers & Lybrand partner, on financial derivatives: "When you listen to descriptions of 'perfect hedges,' it can sound like derivatives are supposed to eliminate risk. In fact, derivatives are the moving vans of risk -- they shift risk from place to place by substituting one type of risk for another."