Disclaimer

Very little of the information found on this site is original. I have read several books, talked to numerous individuals a lot smarter than I am, and researched a number websites this year that will be reflected in the information below. Do not be surprised if you have heard some of the comments or read some of the material before. I do not claim any of this as original. I am hopeful you will help me assemble a resource that will be useful to those trying to figure out, what I refer to as THE CHANGE (nope that is not original either). It wouldn’t surprise me to find several other sites on the www similar to this one. Please link to them where appropriate using the comment tool.