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Unless you are born with a silver spoon in your mouth or just plain lucky, an independent, ethical person has to make some hard choices to get to the level of achievement that makes them happy and secure. Just don't get into a financial condition where you can't afford to be ethical.

well put Gerald. [Linked Image]
In contemplation, I find my halo somewhat tarnished....
Yet the powers that be advocate this, having arranged much regulation, without so much as a boy scout for enforcement, leaves little incentive.