While many of us appreciate some forms of government support, we must take action ourselves in directed steps to tackle our particular challenges and begin to turn the situation around.

“Facts are the most important thing in business. Study facts and do more than is expected of you.” Frederick Hudson Ecker, (1868-1964) longtime president and chairman of Metropolitan Life Insurance Co., then the world's largest, who signed on as a $4-a-week mail boy in 1883