One very important point which has arisen is the whole question of the credits; the allowances; marriage allowance and child allowance which are deductable from income before one is taxed.

Courage is the most important of all the virtues because without courage, you can't practice any other virtue consistently.

Some are caught up in the vision. Others are turned off and say he's a self-promoter who doesn't know anything about the blocking and tackling of the brokerage business.

I'll be out in a sec. Just let me put on my face.