There's no question young drivers have far more accidents than older ones - but is it our aim to keep them off the roads? Or to allow only rich young people (who can afford the premiums) to drive?

No wonder lawyers, who control the legal system, have fought so hard, and with great success, against "no fault" insurance. No fault, no lawsuits. No lawsuits, no lunch.

People don't need to find reasons to justify their not giving. What they need to find is the inspiration to give. And those who don't, but could afford to, are missing out on one of wealth's greatest luxuries.

I think a lot of people would rather have more control over their life than less.

One of the advantages of the book's having been out there for more than a quarter century is that there's been time for people to report back on what it's done for them.

It's very nice to be able to be who you are.

Rule of thumb: The more trimmings an insurance plan has and the harder someone is pitching it, the faster you should run.