BASIC ECONOMICS

If your outgo exceeds your income, your upkeeping becomes your downfall.

If you understand this, you are smarter than the average North American. (Of course, being smarter than the average North American is not a difficult accomplishment.) Especially if you're comparing yourself to some merchant bankers who have gone broke -- by a few billion dollars.

Does that mean there's no accounting for bankers? Perhaps (a least a few of the bankers).

INSANITY

Insanity is hereditary -- you get it from your children. When they have kids, you have so much fun with them as a grandparent, that they drive their parents insane.

Trust me; I know what I'm talking about.

Jee: is it a conspiracy? D'ya think?