I must agree with the article that you so graciously posted on this site. There was nothing in it that I find in error. The only exception would be to find a group or even start a group who would have a similar vision and the desire to stick with a program that was intelligently discussed and designed to benefit the participants. For over 40 years I have joined groups, and associated myself with people who came in with good ideas, positive approaches and sound insight. For some reason when it came to emplimenting those ideas with finances the problems started. Even though three signatures were needed to sign checks or dispence money to pay for purchases that would benefit the group or co-op some thought that the trustees were possibly trying to cheat them or, they would not get their fair share from the investment. This same problem exists in many homes and family structures today. We can quickly go from the "We and Us" to the "I and Me" thinking in a split second. This is possibly why their are so many divorces and family breakups. Trust and Commitment to solid ideas with a long term vision of how to sacrafice for them, and a long term vision of how to achieve these goals is the biggest problem . It is one thing to dream, visualize, and pray for success in a business or family venture. It is another thing to know and understand how to empliment these objectives and be willing to make the sacrifices in order to make them become a reallity. Many times fine clothes ,cars, houses, jewelry, vacations , beauty shops, nails, vacations, partying and other luxury idems will have to take the back burner so that you can have them in the end. We should ask ourselves,"Am I subconsciously doing things that are not beneficial to me or my family? Am I living in the present or am I living so that if an emergency happens I will be able to take care of it without panicing and having to beg, borrow, or steal in order to get my needs fulfilled?" Most of us if we were honest are not ready to make those sacrifices and decissions to do better. Most of us are programed to not look out for our better interest. The words that you printed are true, but I know how the majority of our people think. Not all just the majority. Before emotions take over, take a deep breath then ask your selves in a calm peaceful moment, reflect and then ask yourself " Is this how I have beem living my life. Will I continue this way and expect a good ending?" Peace