originator;  ringleader;  perpetrator;  main culprit;  person responsible
 being up to the person himself
 person's own words;  personal story;  direct quote
 originator;  ringleader;  perpetrator;  main culprit;  person responsible
 paying for the purchase (expense) out of one's own pocket;  being responsible for the payment of one's share of the purchase price, expense, etc.
 lawsuit undertaken without legal representation;  pro se lawsuit