The One-Percent Edge

FOREWORD

I’ve always been a bit troubled by the adage credited to Benjamin Franklin instructing that “in this world nothing can be said to be certain, except death and taxes.”

While I admit to a degree of trepidation when it comes to challenging the words of one of our most beloved Founders, I cannot help but note that there is a third “certainty” that somehow escaped Dr. Franklin’s pen.

Change.

Since Franklin, himself, was one of our most prolific agents of change, it is somewhat surprising that he omitted this third certainty in life. Whether it is the certainty that seasonal change will bring about the life-and-death cycle of leaves on trees ...