As we head towards a over-leveraged, precipitous four horsemen situation, we're going to have to use less as the average individual and as the average nation. But if we're able to look two steps ahead, instead of looking at this month's media or news flash, I think it would lead to different decisions planning and maybe structure. Next is to simplify first and beat the rush. Do you want to be the tortoise or the hair in your actions? The story is incentives.

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