At the heart of good education are those gifted, hardworking, and memorable teachers whose inspiration kindles fires that never quite go out, whose remembered encouragement is sometimes the only hard ground we stand upon, and whose very selves are the stuff of the best lessons they ever teach us. Most of us, no matter how long ago it's been, can name our kindergarten teacher. Our first music teacher. Our junior high algebra teacher. Good teachers never die.

Language doesn't belong to grammarians, linguists, wordsmiths, writers, or editors. It belongs to the people who use it. It goes where people want it to go, and, like a balky mule, you can't make it go where it doesn't want to go.

Warped with satisfactions and terrors, woofed with too many ambiguities and too few certainties, life can be lived best not when we have the answers - because we will never have those - but when we know enough to live it right out to the edges, edges sometimes marked by other people, sometimes showing only our own footprints.

Money is always on its way somewhere; we are only a way station. What we do with it while it's in our keeping will say much about us - as will the direction it takes after we speed it on its way.

Although an impressive amount of business and social interaction takes place over the telephone and fax, by e-mail, or in person today, the well-written letter remains a staple of business success and one of the strongest connecting links between human beings.

Money is a response. We use it to express our social values, our gratitude, our appreciation, our pleasure, our support. Money gives us the ability to respond (response-ability), and its empowering use often defines the truly responsible among us.

Money is a mystery. Not only is our behavior with respect to money sometimes puzzling and erratic, but our feelings about money are often contradictory, illogical, deep-rooted, and scarcely known even to our most secret selves. We are getting better at handling money, but what it means to us, how we use it to express ourselves, and how it can help us become all that we are meant to be remain murky issues.