ACKNOWLEDGMENTS

As someone who has spent the last 25 years in the world of credit, I am unduly aware of the importance of acknowledging the debts we owe to other people. Despite the arguments found in the following pages, not all debts are onerous. In particular, the debts we owe other people are gifts, and it is my privilege to be able to acknowledge them publicly.

Many people like to say that life is short, but that is not true. Life is long. It is long in possibilities, long in the people we affect, and long in what lives on after we are gone. Life is also long in the people who affect us. This is my opportunity to thank the people who have enriched my life in ways that I am pleased to acknowledge here.

First and foremost, I want to thank my family. My wife Marcie is an unending source of strength and wisdom and love without whom my life would be unthinkable. I am blessed with a true life partner in every sense of the world, a wonderful friend and a wise and beautiful woman who has helped me accomplish much more than I could have on my own; I owe her everything. My children Alessia, Alexander, and Preston are the greatest gifts in our lives and have grown into warm, caring, and accomplished young adults largely due to the remarkable guidance of my wife. I could not be prouder of each of them.

My parents, Laurence and Roberta Lewitt, gave me the gifts of education, self-respect, and respect for others. They helped make me who I am and I love them very much. My father passed ...

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