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.

Eliminate irrelevant and inaccurate comunications about what it means to be male or female, black or white, young or old, rich or poor, disabled or temporarily able-bodied, or to hold a particular belief system.

Language both reflects and shapes society. Culture shapes language and then language shapes culture. Little wonder that the words we use to talk to each other, and about each other, are the most important words in our language: they tell us who I am, they tell us who you are, they tell us who 'they' are.

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.

Life seems somehow less shocking, painful, and lonely - and more hopeful, agreeable, and beautiful - when our experiences are confirmed by those of others. Although each of us is unique, there are familiar responses and doubts and joys that let us know we have kin. We are not, after all, too strange to live.

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 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.