Introduction
In recent times, our nation and the world, for that matter, has experienced a high degree of uncertainty in just about every aspect of our lives, especially financial and political. Some institutions we’ve long regarded as “steady as the rock of Gibraltar” have not only lost that steady grip but have even gone away entirely. Who would have wagered, or even imagined, that Merrill Lynch would be sold at garage sale prices to avoid a complete collapse; that Lehman Brothers would be dissolved; that the Yankees would finish third in the American League East?!
Thomas Paine captured it well more than 200 years ago when he said, “These are the times that try men’s souls.” In tough times in our personal and business lives, we seek assurance ...

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