0 Value Quotes

There is more in you of good than you know, child of the kindly West. Some courage and some wisdom, blended in measure. If more of us valued food and cheer and song above hoarded gold, it would be a merrier world.

If most of us valued food and cheer and song above hoarded gold, it would be a merrier world.

If more of us valued food and cheer and song above hoarded gold, it would be a merrier world. But, sad or merry, I must leave it now. Farewell. - Thorin

Child of the kindly West, I have come to know, if more of us valued your ways - food and cheer above hoarded gold - it would be a merrier world. But sad or merry, I must leave it now. Farewell.

I go now to the halls of waiting to sit beside my fathers, until the world is renewed. Since I leave now all gold and silver, and go where it is of little worth, I wish to part in friendship from you, and I would take back my words and deeds at the Gate. . . If more of us valued food and cheer and song above hoarded gold, it would be a merrier world.

Dwarves are not heroes, but a calculating folk with a great idea of the value of money; some are tricky and treacherous and pretty bad lots; some are not but are decent enough people like Thorin and Company, if you don't expect too much.

My type has a romantic soul. He’ll make my brain and my heart fight over who gets him first. He does what’s right, even when it’s not easy—actually, especially when it’s not easy. He knows the value of discipline, education, honor, and restraint. And his strength of character is the only thing that outweighs the strength of his love for me.

Maxon, this is my gift to you. I promise I will make every effort to see these girls through your eyes. Not the eyes of a queen, or the eyes of your mother, but yours. Even if the girl you choose is of a very low caste, even if others think she has no value, I will always listen to your reasons for wanting her. And I will do my best to support your choice.

In a fractal conception, I am a cell-sized unit of the human organism, and I have to use my life to leverage a shift in the system by how I am, as much as with the things I do. This means actually being in my life, and it means bringing my values into my daily decision making. Each day should be lived on purpose.

The purpose of quantum computing based compassionate artificial intelligence is to develop integrated systems that can preserve and enhance human values of peace, love, happiness and freedom.

One of the main reasons Jesus wanted Mari [Mary Magdalene] to start her own following of female disciples was because in those times, Jewish women had no probative value in society and were therefore not even given a basic education. Their intellect was considered decidedly inferior to men's and apart from this, women's far superior intuition was interpreted as a characteristic that associated them to the devil since the men could not quite understand this inner knowledge or find a plausible explanation for it...

Come on," Alec said, already stomping down the ramp. "Let's find us a squirrel." He swept the weapon back and forth as he walked, looking for any interlopers. "Or better yet, one of the crazies who might've strayed over here. Too bad these things have to be charged or we could get rid of this virus problem in a jiffy. Sweep these old neighborhoods nice and clean." Mark joined him on the ground below the Berg, wary that someone might be watching from the ruined homes surrounding them or from the burnt woods beyond those. "Your value of human life brings tears to my eyes," he muttered.

Geralt finished his mug of herb tea, grimacing dreadfully. He valued and liked the settled elves for their intelligence, calm reserve and sense of humour, but he couldn’t understand or share their taste in food or drink.

The ethical integration of artificial intelligence with human values and emotions is the foundation of future artificial intelligence.

If the Core Values are the soul of the organization, the core Purpose (some call it “mission”) gives it heart.

Equations are classified by the highest power (value of the exponent) of its unknowns. If this is one, the equation is of first degree. If this is two, the equation is of second degree, and so on. Equations of higher degree than one yield multiple possible values for their unknown quantities. These values are known as roots. The first-degree equation (the linear equation): 3x – 9 = 0 (root: x = 3)

Suppose you’re called on to navigate some particularly difficult life dilemma, your own, or that of a close confidant. You yearn to talk matters over with your mentor, spouse, or best friend. Yet, for whatever reason, you can’t get a hold of these valued others—perhaps they’re traveling, busy, or even deceased. Research shows that simply imagining having a conversation with them is as good as actually talking with them. So consult them in your mind. Ask them what advice they’d offer. In this way, a cherished parent or mentor, even if deceased, leaves you with an inner voice that guides you through challenging times. Your past moments of love and connection make you lastingly wiser.

You matter to me,” he insisted. The Capitol may not value her, but he did. Hadn’t he just poured his heart out to her?

Future artificial intelligence is more about uplifting human values, morality, and integrity. It is more about stopping the misuse of computing power and stopping human exploitation and suffering.

Compassion by design can be the part of new social robots, drone based warfare robots and the new cyborgs. Dehumanization or degrading human quality or developing negative attitudes towards any human group should not be allowed through our DeepCompassion algorithms and frameworks. The superhumanization algorithms will try to empower the robots and the cyborgs with super positive qualities of compassion, caring and high human values.

The fact that the nutritional quality of a given food (and of that food's food) can vary not just in degree but in kind throws a big wrench into an industrial food chain, the very premise of which is that beef is beef and salmon salmon. It also throws a new light on the whole question of cost, for it quality matters so much more than quantity, then the price of a food may bear little relation to the value of the nutrients in it. If units of omega-3s and beta-cartene and vitamin E are what an egg shopper is really after, then Joel's $2.20 a dozen pastured eggs actually represents a much better deal than the $0.79 a dozen industrial eggs at the supermarket.

The value for which P=0.05, or 1 in 20, is 1.96 or nearly 2; it is convenient to take this point as a limit in judging whether a deviation ought to be considered significant or not. Deviations exceeding twice the standard deviation are thus formally regarded as significant. Using this criterion we should be led to follow up a false indication only once in 22 trials, even if the statistics were the only guide available. Small effects will still escape notice if the data are insufficiently numerous to bring them out, but no lowering of the standard of significance would meet this difficulty.

0 true and heavenly grace, without which our own merits are nothing, and our natural gifts of no account! Neither arts nor riches, beauty nor strength, genius nor eloquence have any value in Your eyes, Lord, unless allied to grace. For the gifts of nature are common to good men and bad alike, but grace or love are Your especial gift to those whom You choose, and those who are sealed with this are counted worthy of life everlasting.

Code will be a central tool in this analysis. It will present the greatest threat to both liberal and libertarian ideals, as well as their greatest promise. We can build, or architect, or code cyberspace to protect values that we believe are fundamental. Or we can build, or architect, or code cyberspace to allow those values to disappear. There is no middle ground. There is no choice that does not include some kind of building. Code is never found; it is only ever made, and only ever made by us.

Stocks are intangible things that are priced in terms of cash, but the price of a stock is not legitimately backed by anyone. If you have a $1,100 share of Google, the only money you are entitled to from Google is the par value of $0.001. This also means if you are holding $110,000 in Google stocks, you are technically only owed $0.10.

For any reasonable value of Omega at the beginning of time, Einstein’s equations show that it should almost be zero today. For Omega to be so close to 1 so many billions of years after the big bang would require a miracle. This is what is called in cosmology the finetuning problem. God, or some creator, had to “choose” the value of Omega to within fantastic accuracy for Omega to be about 0.1 today. For Omega to be between 0.1 and 10 today, it means that Omega had to be 1.00000000000000 one second after the big bang. In other words, at the beginning of time the value of Omega had to be “chosen” to equal the number 1 to within one part in a hundred trillion, which is difficult to comprehend.

Besides, it ain’t an accident that gangs are made up of young men who have nothing. We value our lives little enough to risk them for a little money or a lot of fun.

The key is simply to uncover value in waste.

Intelligence, emotions, ethics, and values are part of human intelligence; without those, we are far away from human-level AI.

The key challenge of future artificial intelligence is to transform modern data-driven intelligence into value-driven intelligence.

The mention of trust. Before need, before love, came trust. The thing she valued most.

We’ve tried to set her straight, but you don’t set that woman anywhere. She’s like the value of pi. She just is.

A servant leader’s value rests in why he does what he does and how well he does it, not in what he does or how often he does it. This allows him to find value in who he is.

If more of us valued food and cheer and song above hoarded gold, it would be a merrier world. But, sad or merry, I must leave it now. Farewell

Marketing 5.0, by definition, is the application of human-mimicking technologies to create, communicate, deliver, and enhance value across the customer journey.

Agile recognizes that people are unique individuals instead of replaceable resources and that their highest value is not in their heads but in their interactions and collaboration. Agile

If you want to succeed at Level 4, you need to become an investor in people. This means adding value but also expecting to see a return on your investment—not in personal gain but in impact.

Okay.” I crossed my arms over my chest. “My type has a romantic soul. He’ll make my brain and my heart fight over who gets him first. He does what’s right, even when it’s not easy—actually, especially when it’s not easy. He knows the value of discipline, education, honor, and restraint. And his strength of character is the only thing that outweighs the strength of his love for me.” Drew’s

Suppose you have a group of fifty experimental subjects, who you hypothesize (H) are human beings. You observe (O) that one of them is an albino. Now, albinism is extremely rare, affecting no more than one in twenty thousand people. So given that H is correct, the chance you’d find an albino among your fifty subjects is quite small, less than 1 in 400,* or 0.0025. So the p-value, the probability of observing O given H, is much lower than .05. We are inexorably led to conclude, with a high degree of statistical confidence, that H is incorrect: the subjects in the sample are not human beings.

Vision: How does this problem affect where we’re trying to go? [Your Response Here] Priorities: Are my problems taking me or the team away from our priorities? [Your Response Here] Values: Are my values or my team’s being compromised by this problem?

When thinking about risk from transport, you can think directly in terms of minutes of life lost per hour of travel. Each time you travel, you face a slight risk of getting into a fatal accident, but the chance of getting into a fatal accident varies dramatically depending on the mode of transport. For example, the risk of a fatal car crash while driving for an hour is about one in ten million (so 0.1 micromorts). For a twenty-year-old, that’s a one-in-ten-million chance of losing sixty years. The expected life lost from driving for one hour is therefore three minutes. Looking at expected minutes lost shows just how great a discrepancy there is between risks from different sorts of transport. Whereas an hour on a train costs you only twenty expected seconds of life, an hour on a motorbike costs you an expected three hours and forty-five minutes. In addition to giving us a way to compare the risks of different activities, the concept of expected value helps us choose which risks are worth taking. Would you be willing to spend an hour on a motorbike if it was perfectly safe but caused you to be unconscious later for three hours and forty-five minutes? If your answer is no, but you’re otherwise happy to ride motorbikes in your day-to-day life, you’re probably not fully appreciating the risk of death.

You've never seen my legs, Marcus. You don't know what you're talking about. And coming from a man who takes his pick of the most beautiful women in London as if he were sampling from a tin of bonbons-" "Are you implying that I'm some shallow fool who values a woman only for her appearance?" Aline was tempted to retract her charge in the interest of maintaining peace between them. But as she considered the last few women that Marcus had carried on with... "I'm sorry to say, Marcus, that each of your recent choice of companions- the last four or five, at least- displayed all the intelligence of a turnip. And yes, they were all quite beautiful, and I doubt that you were able to to have a sensible conversation with any of them for longer than five minutes." Marcus stood back and glared at her. "How does that pertain to what we were discussing?" "It illustrates the point that even you, one of the finest and most honorable men I've ever known, place great importance on physical attractiveness. And if I ever see you consort with a woman who is less than stunningly perfect, then perhaps I'll listen to your lectures on how appearance doesn't matter.

Epidemiologists-scientists who study the spread of disease-use a special number to describe how contagious a virus is. It's called the basic reproduction number, or R0 for short. It's complicated to calculate but simple to understand-it counts how many people one sick person is expected to infect over the course of his or her illness. If I'm sick with a cold and I make two other people sick, the R0 of my virus is 2. Colds and seasonal flus typically have R0 values of around 1.5 to 2. The 1918 flu pandemic R0 was estimated to be 2 to 3, while diseases like polio and small pox have R0 values of around 5 to 7.

But it's meant the world having someone show up like I mattered." "You do matter," he said. "Well, there's a lot of evidence to the contrary." She rattled her chains and gave them a tug. And then, as if remembering something, she looked up at the sky. "You matter to me," he insisted. The Capitol may not value her, but he did. Hadn't he just poured his heart out to her?

What works to generate flows of new leads: Trial-and-error in lead generation (requires patience, experimentation, money). “Marketing through teaching” via regular webinars, white papers, email newsletters and live events, to establish yourself as the trusted expert in your space (takes lots of time to build predictable momentum). Patience in building great word-of-mouth (the highest value lead generation source, but hardest to influence). Cold Calling 2.0: By far the most predictable and controllable source of creating new pipeline, but it takes focus and expertise to do it well. Luckily, you are holding the guide to the process in your hands right now. Building an excited partner ecosystem (very high value, very long time-to-results). PR: It’s great when, once in awhile, it generates actual results!

In 1980, the compensation of the average chief executive officer was forty-two times that of the average worker; by the year 2004, the ratio had soared to 280 times that of the average worker (down from an astonishing 531 times at the peak in 2000). Over the past quarter-century, CEO compensation measured in current dollars rose nearly sixteen times over , while the compensation of the average worker slightly more than doubled. Measured in real(1980) dollars, however, the compensation of the average worker rose just 0.3 percent per year, barely enough to maintain his or her standard of living. Yet CEO compensation rose at a rate of 8.5 percent annually, increasing by more than seven times in real terms during the period. The rationale was that these executives had "created wealth" for their shareholders. But were CEOs actually creating value commensurate with this huge increase in compenstion? Certainly the average CEO was not. In real terms, aggregate corporate profits grew at an annual rate of just 2.9 percent, compared to 3.1 percent for our nation's economy, as represented by the Gross Domestic Product. How that somewhat dispiriting lag can drive average CEO compensation to a cool 9.8 million in 2004 is one of the great anomalies of the age.

Each year about 600,000 start-ups are launched. Less than 0.5 percent attract VC. Of Inc. magazine's annual list of the 500 fastest growing companies in the United States assessed over a decade (1997–2007), less than 20 percent of companies were venture backed” - “62.4 percent of VC investments were completely lost while 3.1 percent of the investments accounted for 53 percent of the profits for roughly 600 investments

To see what happens in the real world when an information cascade takes over, and the bidders have almost nothing but one another’s behavior to estimate an item’s value, look no further than Peter A. Lawrence’s developmental biology text The Making of a Fly, which in April 2011 was selling for $23,698,655.93 (plus $3.99 shipping) on Amazon’s third-party marketplace. How and why had this—admittedly respected—book reached a sale price of more than $23 million? It turns out that two of the sellers were setting their prices algorithmically as constant fractions of each other: one was always setting it to 0.99830 times the competitor’s price, while the competitor was automatically setting their own price to 1.27059 times the other’s. Neither seller apparently thought to set any limit on the resulting numbers, and eventually the process spiraled totally out of control.

You imply a higher value to a life because of a young age. The line, my dear, across which the value of life becomes petty. Where is the line?" "But a child-" He held up a cautionary finger. "Do not think to play on my emotions by plying me with the value of the life of a child, as if a higher value can be placed on life because of age. When is a life worth less? Where is the line? At what age? Who decides? All life is of value. Dead is dead, no matter the age.

An alternative way of expressing births is by what’s called the total fertility rate: i.e., the total number of babies born to an average woman over her lifetime. For the whole world that number averages 2.5 babies; for the First World countries with the biggest economies, it varies between 1.3 and 2.0 babies (e.g., 1.9 for the U.S.). The number for Japan is only 1.27 babies, at the low end of the spectrum; South Korea and Poland are among the few countries with lower values.

It’s worth noting that changing behavior through ABA is often more than enough. But sometimes you want to go deeper, to help a child—or anyone else—understand cognitively and emotionally where they are and who they are in social situations, recognize their options, and decide for themselves what they want to do. Once they learn how to decide for themselves what they want to do, rather than put on reflexive behaviors they’ve been conditioned to show, real growth ensues. ABA is surface; social learning is deep. ABA is more or less robotic; social learning helps you understand social situations and respond according to your own desires and values. ABA is more mechanical; social learning is more supple and human. By coaching children in how to understand social situations and how to develop different ways of handling them, you can teach them not only how to do it but also enjoy doing so that the interaction is not just a matter of going through the motions.

Were you a transfer too?” “I thought I would only have trouble with the Candor asking too many questions,” I say. “Now I’ve got Stiffs, too?” As it was with Christina before, my sharpness is intended to slam doors before they open too much. But Tris’s mouth twists like she tastes something sour, and she says, “It must be because you’re so approachable. You know. Like a bed of nails.” Her face flushes as I stare at her, but she doesn’t look away. Something about her seems familiar to me, though I swear I would remember if I had ever met such a sharp Abnegation girl, even for just a second. “Careful, Tris,” I say. Careful what you say to me, is what I mean, careful what you say to anyone, in this faction that values all the wrong things, that doesn’t understand that when you come from Abnegation, standing up for yourself, even in small moments, is the height of bravery. As I say her name, I realize how I know her. She’s Andrew Prior’s daughter. Beatrice. Tris.

Clear vision does wonders for a team, but it also does wonders for a leader. Among its greatest benefits are direction and passion. For leaders, vision sets direction for their lives. It’s like having a road map. It prioritizes both action and values, helping leaders remain focused. And it creates passion. It lights a fire within leaders that can spread to others. Perhaps that’s why Helen Keller, when asked what would be worse than being born blind, answered, “To have sight without vision.

I’ve applied to Brentwood every semester since I was a freshman. My mom fought me on it at first, but I think at this point she’s resigned herself to the fact that I’m never going to get in, so she just signs the forms without arguing. I mean, it’s Brentwood, so to get accepted you not only have to dance like you’re in Black Swan and belt out a B over high C like it’s a middle G and cry on cue through a memorized six thousand lines of Shakespeare, but you have to do it all at once, while having a 4.0 and forking over a hundred thousand dollars and giving the admissions director a blow job, apparently, but once you’re in, you’re in, it’s Brentwood then Juilliard then fame and fortune, and even if not, it’s New York City, baby, and the most important part of this equation is Brooklyn Bridge at midnight and tiny dogs in Chelsea and the Staten Island Ferry and that ex-girlfriend (don’t think about that, should I think about that?) and the answer to the goddamn equation is the absolute value of not Nebraska.

We all have choices to make that affect our likelihood of contracting infectious disease: whether to holiday in exotic countries; whom to let our children play with; whether we travel on crowded public transport. When we are ill, other choices we make affect our likelihood of transmitting disease to others: whether we cancel the much-anticipated catch-up with our friends; whether we keep our children home from school; whether we cover our mouths when we cough. The crucial decision on whether we vaccinate ourselves and our dependents can only be taken ahead of time. It affects our chances not only of catching but also of transmitting diseases. Some of these decisions are inexpensive, making their adoption straightforward. It costs nothing to sneeze into a tissue or a handkerchief. Simply washing your hands frequently and carefully has been shown to reduce the effective reproduction numbers of respiratory illnesses such as flu by as much as three-quarters. For some diseases, this might be enough to take us below the threshold value of R0, so that an infectious disease cannot break out.

In recent years, annual trading in stocks—necessarily creating, by reason of the transaction costs involved, negative value for traders—averaged some $33 trillion. But capital formation—that is, directing fresh investment capital to its highest and best uses, such as new businesses, new technology, medical breakthroughs, and modern plant and equipment for existing business—averaged some $250 billion. Put another way, speculation represented about 99.2 percent of the activities of our equity market system, with capital formation accounting for 0.8 percent.

Why is there something rather than nothing? Only because something can exist as nothing – via the mathematical capacity to express “ nothing ” in non-zero terms, e.g. e iπ + 1 = 0. In other words, wherever you see “ nothing ” (zero), you might in fact be confronting e iπ + 1 (“something” ), without knowing it. Only mathematics has this unique capacity to the ground state of the universe. The compulsory ground state of the universe is zero, the minimum value possible. There is no sufficient reason for any arbitrary non-zero number to serve as the ground state.

What of the chain? Its position, defined by C, begins at 0 and reaches 1 when its next link moves forward to the fatal position, then 2 and so on. The chain must move in synch with the teeth on the sprocket at the center of the rear wheel, and that sprocket has n teeth, and so after a complete revolution of the rear wheel, when theta = 0 again, C = n. After a second complete revolution of the rear wheel, once again theta = 0 but now C = 2n. The next time it’s C = 3n and so on. But remember that the chain is not an infinite linear thing, but a loop having only l positions; at C = l it loops back around to C = 0 and repeats the cycle. So when calculating the value of C

An overarching theme across our research findings is the role of discipline in separating the great from the mediocre. True discipline requires the independence of mind to reject pressures to conform in ways incompatible with values, performance standards, and long-term aspirations. The only legitimate form of discipline is self-discipline, having the inner will to do whatever it takes to create a great outcome, no matter how difficult. When you have disciplined people, you don’t need hierarchy. When you have disciplined thought, you don’t need bureaucracy. When you have disciplined action, you don’t need excessive controls. When you combine a culture of discipline with an ethic of entrepreneurship, you create a powerful mixture that drives great performance.

God created man out of dust from the ground. At a basic level, the Creator picked up some dirt and threw Adam together. The Hebrew word for God forming man is yatsar,[11] which means “to form, as a potter.” A pot usually has but one function. Yet when God made a woman, He “made a woman from the rib he had taken out of the man” (Genesis 2:22). He created her with His own hands. He took His time crafting and molding her into multifaceted brilliance. The Hebrew word used for making woman is banah, meaning to “build, as a house, a temple, a city, an altar.”[12] The complexity implied by the term banah is worth noting. God has given women a diverse makeup that enables them to carry out multiple functions well. Adam may be considered Human Prototype 1.0, while Eve was Human Prototype 2.0. Of high importance, though, is that Eve was fashioned laterally with Adam’s rib. It was not a top-down formation of dominance or a bottom-up formation of subservience. Rather, Eve was an equally esteemed member of the human race. After all, God spoke of the decision for their creation as one decision before we were ever even introduced to the process of their creation. The very first time we read about both Eve and Adam is when we read of the mandate of rulership given to both of them equally. We are introduced to both genders together, simultaneously. This comes in the first chapter of the Bible: Then God said, “Let us make man in our image, in our likeness, and let them rule over the fish of the sea and the birds of the air, over the livestock, over all the earth, and over all the creatures that move along the ground.” So God created man in his own image, in the image of God he created him; male and female he created them. (Genesis 1:26–27) Both men and women have been created equally in the image of God. While within that equality lie distinct and different roles (we will look at that in chapter 10), there is no difference in equality of being, value, or dignity between the genders. Both bear the responsibility of honoring the image in which they have been made. A woman made in the image of God should never settle for being treated as anything less than an image-bearer of the one true King. As Abraham Lincoln said, “Nothing stamped with the Divine image and likeness was sent in the world to be trodden on.”[13] Just as men, women were created to rule.

Rees maintains that six numbers in particular govern our universe, and that if any of these values were changed even very slightly things could not be as they are. For example, for the universe to exist as it does requires that hydrogen be converted to helium in a precise but comparatively stately manner—specifically, in a way that converts seven one-thousandths of its mass to energy. Lower that value very slightly—from 0.007 percent to 0.006 percent, say—and no transformation could take place: the universe would consist of hydrogen and nothing else. Raise the value very slightly—to 0.008 percent—and bonding would be so wildly prolific that the hydrogen would long since have been exhausted. In either case, with the slightest tweaking of the numbers the universe as we know and need it would not be here. I

What works to generate flows of new leads: Trial-and-error in lead generation (requires patience, experimentation, money). “Marketing through teaching” via regular webinars, white papers, email newsletters and live events, to establish yourself as the trusted expert in your space (takes lots of time to build predictable momentum). Patience in building great word-of-mouth (the highest value lead generation source, but hardest to influence). Outbound Prospecting (aka "Cold Calling 2.0"):: By far the most predictable and controllable source of creating new pipeline, but it takes focus and expertise to do it well. Luckily, you are holding the guide to the process in your hands right now. Building an excited partner ecosystem (very high value, very long time-to-results). PR: It’s great when, once in a while, it generates actual results!

Here are some reasons we swallow our truths: - Capitalism: we are taught that love is about belonging to one person or community, and we must contort in order to ensure continued belonging. We are taught that our value is in what we can produce, and emotions impede production. - The oppression of supremacy: we are taught that, if we are not white, male, straight, able, wealthy, adult, etc., our truths don't matter. This starts very early, we are taught that our feelings and thoughts as children are unimportant, that we are to "be seen and not heard". - The oppression of false peace: we are taught that our truths are disruptive, and that disruption is a negative act. This one is particularly insidious, and ties back into capitalism—only those moving towards profit can adds would create disruption, everyone else should be complacent consumers.

The case for bitcoin as a cash item on a balance sheet is very compelling for anyone with a time horizon extending beyond four years. Whether or not fiat authorities like it, bitcoin is now in free-market competition with many other assets for the world’s cash balances. It is a competition bitcoin will win or lose in the market, not by the edicts of economists, politicians, or bureaucrats. If it continues to capture a growing share of the world’s cash balances, it continues to succeed. As it stands, bitcoin’s role as cash has a very large total addressable market. The world has around $90 trillion of broad fiat money supply, $90 trillion of sovereign bonds, $40 trillion of corporate bonds, and $10 trillion of gold. Bitcoin could replace all of these assets on balance sheets, which would be a total addressable market cap of $230 trillion. At the time of writing, bitcoin’s market capitalization is around $700 billion, or around 0.3% of its total addressable market. Bitcoin could also take a share of the market capitalization of other semihard assets which people have resorted to using as a form of saving for the future. These include stocks, which are valued at around $90 trillion; global real estate, valued at $280 trillion; and the art market, valued at several trillion dollars. Investors will continue to demand stocks, houses, and works of art, but the current valuations of these assets are likely highly inflated by the need of their holders to use them as stores of value on top of their value as capital or consumer goods. In other words, the flight from inflationary fiat has distorted the U.S. dollar valuations of these assets beyond any sane level. As more and more investors in search of a store of value discover bitcoin’s superior intertemporal salability, it will continue to acquire an increasing share of global cash balances.

The properties that define a group are: 1. Closure. The offspring of any two members combined by the operation must itself be a member. In the group of integers, the sum of any two integers is also an integer (e.g., 3 + 5 = 8). 2. Associativity. The operation must be associative-when combining (by the operation) three ordered members, you may combine any two of them first, and the result is the same, unaffected by the way they are bracketed. Addition, for instance, is associative: (5 + 7) + 13 = 25 and 5 + (7 + 13) = 25, where the parentheses, the "punctuation marks" of mathematics, indicate which pair you add first. 3. Identity element. The group has to contain an identity element such that when combined with any member, it leaves the member unchanged. In the group of integers, the identity element is the number zero. For example, 0 + 3 = 3 + 0 = 3. 4. Inverse. For every member in the group there must exist an inverse. When a member is combined with its inverse, it gives the identity element. For the integers, the inverse of any number is the number of the same absolute value, but with the opposite sign: e.g., the inverse of 4 is -4 and the inverse of -4 is 4; 4 + (-4) = 0 and (-4) + 4 = 0. The fact that this simple definition can lead to a theory that embraces and unifies all the symmetries of our world continues to amaze even mathematicians.

Human rights, dissidence, antiracism, S0S-this, S0S-that: these are soft, easy, post coitum historicum ideologies, 'after-the-orgy' ideologies for an easy-going generation which has known neither hard ideologies nor radical philosophies. The ideology of a generation which is neo-sentimental in its politics too, which has rediscovered altruism, conviviality, international charity and the individual bleeding heart. Emotional outpourings, solidarity, cosmopolitan emotiveness, multi-media pathos: all soft values harshly condemned by the Nietzschean, Marxo-Freudian age (but also the age of Rimbaud, Jarry and the Situationists). A new generation, that of the spoilt children of the crisis, whereas the preceding one was that of the accursed children of history. These romantic, worldly young people, imperious and sentimental, are refinding the poetic prose of the heart and, at the same time, the path of business. For they are the contemporaries of the new entrepreneurs and they are themselves wonderful media animals. Transcendental, P.R. idealism. With an eye for money, changing fashions, high-powered careers - all things scorned by the hard generations. A soft immorality, a low-grade sensuality. A soft ambition too: that of a generation which has already been successful in everything, which has everything going for it, which practises solidarity with ease, which no longer bears the stigmata of the curse of class. They are the European Yuppies.

What Cantor's Diagonal Proof does is generate just such a number, which let's call R. The proof is both ingenious and beautiful-a total confirmation of art's compresence in pure math. First, have another look at the above table. We can let the integral value of R be whatever X we want; it doesn't matter. But now look at the table's very first row. We're going to make sure R's first post-decimal digit, a, is a different number from the table's a1. It's easy to do this even though we don't know what particular number a1 is: let's specify that a=(a1-1) unless a1 happens to be 0, in which case a=9. Now look at the table's second row, because we're going to do the same thing for R's second digit b: b=(b2-1), or b=9 if b2=0. This is how it works. We use the same procedure for R's third digit c and the table's c3, for d and d4, for e and e5, and so on, ad inf. Even though we can't really construct the whole R (just as we can't really finish the whole infinite table), we can still see that this real number R=X.abcdefhi... is going to be demonstrably different from every real number in the table. It will differ from the table's 1st Real in its first post-decimal digit, from the 2nd Real in its second digit, from the 3rd Real in its third digit,...and will, given the Diagonal Method here, differ from the table's Nth Real in its nth digit. Ergo R is not-cannot be-included in the above infinite table; ergo the infinite table is not exhaustive of all the real numbers; ergo (by the rules of reductio) the initial assumption is contradicted and the set of all real numbers is not denumerable, i.e. it's not 1-1 C-able with the set of integers. And since the set of all rational numbers is 1-1C-able with the integers, the set of all reals' cardinality has got to be greater than the set of all rationals' cardinality. Q.E.D.*

Unlike classically spinning bodies, such as tops, however, where the spin rate can assume any value fast or slow, electrons always have only one fixed spin. In the units in which this spin is measured quantum mechanically (called Planck's constant) the electrons have half a unit, or they are "spin-1/2" particles. In fact, all the matter particles in the standard model-electrons, quarks, neutrinos, and two other types called muons and taus-all have "spin 1/2." Particles with half-integer spin are known collectively as fermions (after the Italian physicist Enrico Fermi). On the other hand, the force carriers-the photon, W, Z, and gluons-all have one unit of spin, or they are "spin-1" particles in the physics lingo. The carrier of gravity-the graviton-has "spin 2," and this was precisely the identifying property that one of the vibrating strings was found to possess. All the particles with integer units of spin are called bosons (after the Indian physicist Satyendra Bose). Just as ordinary spacetime is associated with a supersymmetry that is based on spin. The predictions of supersymmetry, if it is truly obeyed, are far-reaching. In a universe based on supersymmetry, every known particle in the universe must have an as-yet undiscovered partner (or "superparrtner"). The matter particles with spin 1/2, such as electrons and quarks, should have spin 0 superpartners. the photon and gluons (that are spin 1) should have spin-1/2 superpartners called photinos and gluinos respectively. Most importantly, however, already in the 1970s physicists realized that the only way for string theory to include fermionic patterns of vibration at all (and therefore to be able to explain the constituents of matter) is for the theory to be supersymmetric. In the supersymmetric version of the theory, the bosonic and fermionic vibrational patters come inevitably in pairs. Moreover, supersymmetric string theory managed to avoid another major headache that had been associated with the original (nonsupersymmetric) formulation-particles with imaginary mass. Recall that the square roots of negative numbers are called imaginary numbers. Before supersymmetry, string theory produced a strange vibration pattern (called a tachyon) whose mass was imaginary. Physicists heaved a sigh of relief when supersymmetry eliminated these undesirable beasts.

The Ten Ways to Evaluate a Market provide a back-of-the-napkin method you can use to identify the attractiveness of any potential market. Rate each of the ten factors below on a scale of 0 to 10, where 0 is terrible and 10 fantastic. When in doubt, be conservative in your estimate: Urgency. How badly do people want or need this right now? (Renting an old movie is low urgency; seeing the first showing of a new movie on opening night is high urgency, since it only happens once.) Market Size. How many people are purchasing things like this? (The market for underwater basket-weaving courses is very small; the market for cancer cures is massive.) Pricing Potential. What is the highest price a typical purchaser would be willing to spend for a solution? (Lollipops sell for $0.05; aircraft carriers sell for billions.) Cost of Customer Acquisition. How easy is it to acquire a new customer? On average, how much will it cost to generate a sale, in both money and effort? (Restaurants built on high-traffic interstate highways spend little to bring in new customers. Government contractors can spend millions landing major procurement deals.) Cost of Value Delivery. How much will it cost to create and deliver the value offered, in both money and effort? (Delivering files via the internet is almost free; inventing a product and building a factory costs millions.) Uniqueness of Offer. How unique is your offer versus competing offerings in the market, and how easy is it for potential competitors to copy you? (There are many hair salons but very few companies that offer private space travel.) Speed to Market. How soon can you create something to sell? (You can offer to mow a neighbor’s lawn in minutes; opening a bank can take years.) Up-front Investment. How much will you have to invest before you’re ready to sell? (To be a housekeeper, all you need is a set of inexpensive cleaning products. To mine for gold, you need millions to purchase land and excavating equipment.) Upsell Potential. Are there related secondary offers that you could also present to purchasing customers? (Customers who purchase razors need shaving cream and extra blades as well; buy a Frisbee and you won’t need another unless you lose it.) Evergreen Potential. Once the initial offer has been created, how much additional work will you have to put in in order to continue selling? (Business consulting requires ongoing work to get paid; a book can be produced once and then sold over and over as is.) When you’re done with your assessment, add up the score. If the score is 50 or below, move on to another idea—there are better places to invest your energy and resources. If the score is 75 or above, you have a very promising idea—full speed ahead. Anything between 50 and 75 has the potential to pay the bills but won’t be a home run without a huge investment of energy and resources.

In order for A to apply to computations generally, we shall need a way of coding all the different computations C(n) so that A can use this coding for its action. All the possible different computations C can in fact be listed, say as C0, C1, C2, C3, C4, C5,..., and we can refer to Cq as the qth computation. When such a computation is applied to a particular number n, we shall write C0(n), C1(n), C2(n), C3(n), C4(n), C5(n),.... We can take this ordering as being given, say, as some kind of numerical ordering of computer programs. (To be explicit, we could, if desired, take this ordering as being provided by the Turing-machine numbering given in ENM, so that then the computation Cq(n) is the action of the qth Turing machine Tq acting on n.) One technical thing that is important here is that this listing is computable, i.e. there is a single computation Cx that gives us Cq when it is presented with q, or, more precisely, the computation Cx acts on the pair of numbers q, n (i.e. q followed by n) to give Cq(n). The procedure A can now be thought of as a particular computation that, when presented with the pair of numbers q,n, tries to ascertain that the computation Cq(n) will never ultimately halt. Thus, when the computation A terminates, we shall have a demonstration that Cq(n) does not halt. Although, as stated earlier, we are shortly going to try to imagine that A might be a formalization of all the procedures that are available to human mathematicians for validly deciding that computations never will halt, it is not at all necessary for us to think of A in this way just now. A is just any sound set of computational rules for ascertaining that some computations Cq(n) do not ever halt. Being dependent upon the two numbers q and n, the computation that A performs can be written A(q,n), and we have: (H) If A(q,n) stops, then Cq(n) does not stop. Now let us consider the particular statements (H) for which q is put equal to n. This may seem an odd thing to do, but it is perfectly legitimate. (This is the first step in the powerful 'diagonal slash', a procedure discovered by the highly original and influential nineteenth-century Danish/Russian/German mathematician Georg Cantor, central to the arguments of both Godel and Turing.) With q equal to n, we now have: (I) If A(n,n) stops, then Cn(n) does not stop. We now notice that A(n,n) depends upon just one number n, not two, so it must be one of the computations C0,C1,C2,C3,...(as applied to n), since this was supposed to be a listing of all the computations that can be performed on a single natural number n. Let us suppose that it is in fact Ck, so we have: (J) A(n,n) = Ck(n) Now examine the particular value n=k. (This is the second part of Cantor's diagonal slash!) We have, from (J), (K) A(k,k) = Ck(k) and, from (I), with n=k: (L) If A(k,k) stops, then Ck(k) does not stop. Substituting (K) in (L), we find: (M) If Ck(k) stops, then Ck(k) does not stop. From this, we must deduce that the computation Ck(k) does not in fact stop. (For if it did then it does not, according to (M)! But A(k,k) cannot stop either, since by (K), it is the same as Ck(k). Thus, our procedure A is incapable of ascertaining that this particular computation Ck(k) does not stop even though it does not. Moreover, if we know that A is sound, then we know that Ck(k) does not stop. Thus, we know something that A is unable to ascertain. It follows that A cannot encapsulate our understanding.

bank gives some poor schmuck a mortgage at 100% the value of his property. No deposit. The bank sells the debt off to a larger bank in return for instant cash. The larger bank bundles up a hundred crappy mortgages like this and sells insurance policies for ten cents on the dollar – because their analysts tell them it’s a sure thing. They do this with thousands of loans. The mortgage securities market grows. Nothing can go wrong, right?” “Until the homeowner can’t make his repayments.

CSR is the way in which business consistently creates shared value in society through economic development, good governance, stakeholder responsiveness and environmental improvement. Put another way, CSR is an integrated, systemic approach by business that builds, rather than erodes or destroys, economic, social, human and natural capital.

if, for each t, we write u(t) for the function from to that takes x to u(x, t), then it describes how the function u(t) “evolves” over time. The Cauchy problem for an evolution equation is the problem of determining this evolution from knowledge of its initial value u(0).

They point out that we never know for sure which hypothesis is the true one, and so we shouldn’t just pick one hypothesis, like a value of 0.7 for the probability of heads; rather, we should compute the posterior probability of every possible hypothesis and entertain all of them when making predictions. The sum of the probabilities of all the hypotheses must be one, so if one becomes more likely, the others become less. For a Bayesian, in fact, there is no such thing as the truth; you have a prior distribution over hypotheses, after seeing the data it becomes the posterior distribution, as given by Bayes’ theorem, and that’s all.

Many surveys have been done on email frequency with respondents regularly saying that one of the main reasons they unsubscribe from emails is that they get sent too many. The data, however, tells a different story. When Zarrella looked at unsubscribe rates and click rates for different frequencies of emails he found that: Unsubscribe rates were higher for less frequently emailed lists than frequently mailed ones (rates falling from 0.7% for lists emailed once a month to 0.15% for lists mailed daily) Click rates decreased very little as email frequency increased, going down from around 6% per email for lists mailed once or twice per month to 5% per email for those emailed daily. And since the rate is per email, the daily emails generated over 20 times as many clicks overall. Zarrella’s conclusion was that “sending more email is not the marketing taboo many of us had thought it to be. As long as you’re following the guidelines set forth in the rest of this chapter and sending targeted, personalized and value-packed emails, sending more of them is better”.

The AI enforces two tiers of rules: universal and local. Universal rules apply in all sectors, for example a ban on harming other people, making weapons or trying to create a rival superintelligence. Individual sectors have additional local rules on top of this, encoding certain moral values.

We have used the same model for analyzing the off spinners, the left-arm spinners and the fast bowlers too but it is only in this chapter that we will burden the readers with the details and logic of our model building. Our premise is that every aspect of bowling performance—wickets, strike rate (SR), bowling average, five wickets in an innings, 10 wickets in a match and the wickets taken in away matches—has a bearing on determining the overall value or effectiveness of the bowler. In order to arrive at a composite overall effectiveness index, we used the SR, bowling average, five wickets in an innings, 10 wickets in a match and the proportion of wickets taken away from home to create a relative index and converted each bowler’s performance in each of these factors into his individual index score. To calculate the index for a particular parameter, let us demonstrate with the example of Warne’s index for SR. His SR is 57.4. The cumulative SR of 38 players in our list is 2760.7 and so Warne’s SR Index is 57.4/2760.7 expressed as a percentage which is 2.7. A similar index for each parameter is calculated for each of the players. The aggregate of the index for the five parameters—SR, bowling average, five wickets/innings, 10 wickets/match and proportion of away wickets—of each player provides us a score for each bowler. And as you would have noted from the way we calculated the SR Index, the lower this score the better is the bowler’s rating; thus the one with the lowest score is best in class and the ranks would progressively go down as the individual index scores went up. Let us call this aggregated score as “Bowler Index Score.” But this “Bowler Index Score” does not recognize or give weightage to the number of wickets that a bowler had taken. The number of wickets reflects a bowler’s longevity at the highest level of the game. Since 38 bowlers in our list range from an extreme high of 708 wickets to an extreme low of 40 wickets, we decided to convert the wickets to their logarithmic value. (Log W for 100 wickets has a value of 2.0, for 200 wickets would have a value of 2.3 and for 400 would be 2.6 and so on.) In order to retain consistency in the convention of lowest figures indicating highest degree of effectiveness, we created an overall Effectiveness Index by dividing the Bowler Index Score by the Log value of the wickets taken. Thus, Effectiveness Index = Bowler Index Score/Log W.

it might be possible to design a superintelligence whose enslavement is morally superior to human or animal slavery: the AI might be happy to be enslaved because it’s programmed to like it, or it might be 100% emotionless, tirelessly using its superintelligence to help its human masters with no more emotion than IBM’s Deep Blue computer felt when dethroning chess champion Garry Kasparov. On the other hand, it may be the other way around: perhaps any highly intelligent system with a goal will represent this goal in terms of a set of preferences, which endow its existence with value and meaning.

So who’s right: those who say automated jobs will be replaced by better ones or those who say most humans will end up unemployable? If AI progress continues unabated, then both sides might be right: one in the short term and the other in the long term. But although people often discuss the disappearance of jobs with doom-and-gloom connotations, it doesn’t have to be a bad thing! Luddites obsessed about particular jobs, neglecting the possibility that other jobs might provide the same social value. Analogously, perhaps those who obsess about jobs today are being too narrow-minded: we want jobs because they can provide us with income and purpose, but given the opulence of resources produced by machines, it should be possible to find alternative ways of providing both the income and the purpose without jobs. Something similar ended up happening in the equine story, which didn’t end with all horses going extinct. Instead, the number of horses has more than tripled since 1960, as they were protected by an equine social-welfare system of sorts: even though they couldn’t pay their own bills, people decided to take care of horses, keeping them around for fun, sport and companionship. Can we similarly take care of our fellow humans in need?

Many executives, for their part, want the economic advantages of customer loyalty but ignore the inspirational side of NPS. They forget that it’s impossible to create loyal customers without first inspiring a team of employees so they become promoters themselves. Who would go out of their way for a customer unless he or she is proud and inspired to be part of the team? And while there are many ingredients of employee engagement—the right training and development, rewards, opportunity for growth, the feeling of being valued, and so forth—the real foundation is this: employees must be able to treat customers and colleagues in a manner that makes them proud. When leaders and their teams consistently treat people right, when they can be relied upon to do the right thing, then an organization can truly be worthy of loyalty.

It must be because you’re so approachable. You know. Like a bed of nails.” Her face flushes as I stare at her, but she doesn’t look away. Something about her seems familiar to me, though I swear I would remember if I had ever met such a sharp Abnegation girl, even for just a second. “Careful, Tris,” I say. Careful what you say to me, is what I mean, careful what you say to anyone, in this faction that values all the wrong things, that doesn’t understand that when you come from Abnegation, standing up for yourself, even in small moments, is the height of bravery.

Japan's total land assets at the time were equivalent to no less than 60% of the entire land value of the planet - 200 times the 0,3% of the planet it occupies in geographical terms.

NBA players made roughly the same percentage of shots from 23 feet as they did from 24. But because the three-point line ran between them, the values of those two shots were radically different. Shot attempts from 23 feet had an average value of 0.76 points, while 24-footers were worth 1.09. This, the Warriors concluded, was an opportunity. By moving back a few inches before shooting, a basketball player could improve his rate of return by 43 percent.41

The Amazon will soon be just another fantastical postmodern location, so familiar to North Americans, where the names of places no longer have any relationship to what’s actually in the place. Mato Grasso (“dense jungle”) will refer to a place that is no more than a factory exchange value in a soybean mono-culture, just as Illinois is a “prairie state” with a mere 0.1 percent of its original prairie remaining. Of course, once the original plant/animal/human inhabitants are gone, we wax sentimental. The things we slaughter become our heritage.

Hedge and private equity funds do not care about the market and are not judged by the market. Their clients have very high expectations; they want their investments to grow in value every year without fail.

The point on Figure 6-8 that is most interesting is a portfolio representing 70 percent in the broad market and 30 percent in the small value index. Over a 30-year period, a mix of 70 percent in the total market and 30 percent in the small-cap value index would have increased U.S. equity returns by 2.0 percent with very little increase in observed portfolio risk. Figure

What Is Personal Branding?  Personal branding is the process of identifying the unique and differentiating value that you can bring to an organization, team, and/or project and communicating it in a professionally memorable and consistent manner in all of your actions and outputs, both online and offline, to all current and prospective stakeholders in your career.

There are five falsey values in JavaScript: undefined is falsey. null is falsey. 0 is falsey. The empty string is falsey. NaN is falsey.

Everyone always has a reason to reject a compromise, because everyone thinks that their own view is correct, their own cause is just, or their own values are more important. That gives everyone a reason not to compromise. The only way to see one’s way toward accepting a compromise is to recognize that because everyone thinks that their own view is correct, no one is likely to back down, and so everyone is better off settling for somewhat less than what they think an ideal arrangement would be.

(T)he truth is the most valuable thing in the world. It's, in fact, the only thing that has value and provides value for everything else. Everything that's false can't be relied on and is therefore actually worthless. Therefore, there's no sense in having it. But if you have the truth, well then, you've really got something there, don'tcha? See, with the truth you can really do anything. The truth makes you very powerful, especially if you own it. -- The truth was important. But for a long time, a very long time it really hasn't been trading real high in the marketplace of ideas. What's been more important these days is how people feel about things. Regardless of whether they're true or not. For example, you've all taken your social media etiquette classes since elementary school, right? And what's the one thing you learn in those classes? 'The most important thing is not to offend anyone.' Isn't that right? So, you don't tell someone the truth, because, after all, what is truth? Isn't it whatever we decide it to be? Whatever we want it to do? Whatever we want it to be regardless of history, culture, and the belief systems of anyone who doesn't agree with the popular zeitgeist? -- No, kids, that's incorrect. The truth isn't just what we want it to be. The truth is just so.

look no further than Peter A. Lawrence’s developmental biology text The Making of a Fly, which in April 2011 was selling for $23,698,655.93 (plus $3.99 shipping) on Amazon’s third-party marketplace. How and why had this—admittedly respected—book reached a sale price of more than $23 million? It turns out that two of the sellers were setting their prices algorithmically as constant fractions of each other: one was always setting it to 0.99830 times the competitor’s price, while the competitor was automatically setting their own price to 1.27059 times the other’s. Neither seller apparently thought to set any limit on the resulting numbers, and eventually the process spiraled totally out of control. It’s possible that a similar mechanism was in play during the enigmatic and controversial stock market “flash crash” of May 6, 2010, when, in a matter of minutes, the price of several seemingly random companies in the S&P 500 rose to more than $100,000 a share, while others dropped precipitously—sometimes to $0.01 a share. Almost $1 trillion of value instantaneously went up in smoke.

As a change agent it is important to value all discussions, the good ones and the bad ones. Because, when people criticize what you’re doing, it means they care about the topic.

Money Facts The Lira was the basic unit of Italian currency from 1861, when Ital was unified, to 2002. That year, Italy adopted the euro, the currency of the European Union (EU). Today, fifteen EU states use the euro. One euro is divided into 100 cents. Bills come in values of 5, 10, 20, 50, 100, 200, and 500 euros. Coins come in values of 1 and 2 euros as well as 1, 2, 5, 10, 20, and 50 cents. In 2008, US$1.00 equaled about 0.63 euros, and 1.00 euro equaled US$1.58. On the front of each euro note is an image of a window or a gateway. On the back is a picture of a bridge. These images do not represent any actual bridges or windows. Instead, they are examples from different historical periods. Each country designs its own euro coins. Italy chose to honor its greatest artists. Its 2-euro coin shows a portrait by the Renaissance artist Raphael. The 1-euro coin shows a drawing of the human body by Leonardo da Vinci. Other Italian coins show a statue of Emperor Marcus Aurelius and Sandro Botticelli’s painting Birth of Venus. The 1-cent coin, the smallest, features Castel del Monte, a thirteenth-century castle near Bari.

Luckily, there's a neat approximation formula for just this sum. The higher the number n, the better the estimate will be. It is mathematically proven that as n grows to infinity, the approximation formula converges to the true value. Here it is: H(n) ≈ ln(n) + 0.58 The value 0.58 comes from rounding off the Euler-Mascheroni constant, which should be where the 0.58 is now. But since we just want to approximate, there's no need to be overly precise. For our purposes the rounded off value will do just fine.

No matter how rich or poor we are, each of us gets twenty-four hours in a day. In order to consume YouTube, Facebook, or e-mail, we must ‘pay’ attention. In fact, Americans nearly doubled the amount of leisure time they spent on Internet between 2000 and 2011. This implies that they valued it more than the other ways they could spend their time. By considering the value of users’ time and comparing leisure time spent on the Internet to time spent in other ways, Erik and Joo Hee estimated that the Internet created about $ 2,600 of value per user each year. None of this showed up in the GDP statistics but if it had, GDP growth—and thus productivity growth—would have been about 0.3 percent higher each year. In other words, instead of the reported 1.2 percent productivity growth for 2012, it would have been 1.5 percent.

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The best non-invasive measurement is the cardiac calcium scoring done in a full-body scan. This measures the amount of calcified material, which in turn gives an accurate assessment of the underlying atherosclerotic load. A measurement of the calcified area is computed. It is known as the Agatston score. A score of 0 means no calcium, and therefore a light atherosclerotic load. A typical 60-year-old man or 70-year-old woman might have a score of 30, which is not a particularly high value, though it could be quite a lot higher. In the absence of exercise and dietary control, the Agatston score will double every two or three years, indicating significant buildup. The score is soon into the hundreds and can go on up into the thousands.

Every few hundred years in Western history there occurs a sharp transformation. Within a few short decades, society—its world view, its basic values, its social and political structures, its key institutions—rearranges itself. We are currently living through such a time. —Peter Drucker

Some areas of opportunity: •   First, stop saying, “Well, this is just the way it is in our industry.” •   Have your available cash reported DAILY, with a short explanation of why it changed in the last 24 hours, and chart it against accounts receivable (AR) and accounts payable (AP) weekly. You’ll learn so much more about your business when you see how the cash is flowing on a daily basis. •   If you want to be paid sooner, ask. Small firms are finding that large companies (and governments!!) will pay considerably faster or even prepay if they simply ask, ask, ask, ask, and ask some more. •   Give value back to customers who pay on time or in advance. •   Get your invoices out more quickly. Hire one more person in accounting to do nothing but make sure invoicing is timely and follow up on payments. •   Send friendly reminders five days before the deadline that payments are due. Many customers are disorganized and will appreciate the reminders, resulting in faster payment. •   If invoices are recurring, obtain recurring credit card authorization from your customers to automate on-time payments. •   Understand why your clients are paying late. They might be unhappy with your product or service. Or perhaps an invoice has recurring mistakes, or it is not structured to flow through the customer’s automated invoicing system. •   Understand each customer’s payment cycles, and time your billings to coincide. •   Pay many of your own expenses with a credit card so you can play the float. Get your own customers to pay by credit card, so they can pay you quickly even if their cash flow is slow. •   Help your customers improve their cash flow so they can pay you on time. Offer them leasing options, for instance. •   Shorten cycles for delivery of your product or service. All of you have some kind of “work in progress.” The faster you complete projects, the faster you get paid. •   Offer a product or service so valuable that you have some leverage with your customers to get them to pay sooner. • Remember, improving margins and profit improves cash.

. If more of us valued food and cheer and song above hoarded gold, it would be a merrier world.