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I must be doing something wrong which is why I didn’t succeed.
However, I do think think the last 5 years fall into the category of the 500 year flood. When was the last time you can recall 3 major global investment banks going broke (Lehman, Bear Stearns and Merrill Lynch, the latter qualifying as a “shotgun wedding” with Bank of America compliments of the Federal Reserve) , a federal bailout of a major insurer (AIG) and one or two national banks (Like Citigroup) a 15+% unemployment rate when counting those who stopped looking for jobs, the largest mortgage company in the country (Countrywide) forced to sell to Bank of America, the federal bailout of Fannie Mae, Freddie Mac and other housing related agencies, the massive housing foreclosures, bankruptcies and evictions in which most of whose homeowners have still not recovered, the enactment of HAMP, TARP and HARP federal legislation, the fact that firms like Blackstone, Carlyle, Colony Capital own, in the aggregate, more than 60,000 single family residences for rental. They don’t call it “The Great Recession” for nothing.
I’d be interested in your definition of what you think constitutes a “500 year flood” in the real estate lending market. Thanks.

SVYHR…thanks for the words of encouragement. Given my background the one thing I’m not worried about is being eaten up alive by SV industry. I used to swim with the sharks.

I am also older than the typical SV startup kid (30’s, wife, two children) but I’m planning on leaving a tenure-track professorship to start a company. If you want to chat, trade notes, drop me a line at: svyhr@thecloudindex.com. (I have no idea how I’ll be able to tell if it’s really the original poster, but nothing ventured nothing gained, right? I’ll dispose of the email in a day or two regardless.)

Thanks again for sharing; I think someone with your character and integrity deserves a co-founder with the same. And I think investors are (not so secretly) looking for founders who are bit more mature (in morals, if not age).