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With so many contradictory renditions of the biblical text, the public has lost confidence that we can actually know what the Bible says. It is an easy step from this skepticism to an indifference about what the Bible says.

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Warren Buffett

I've seen more people fail because of liquor and leverage -- leverage being borrowed money. You really don't need leverage in this world much. If you're smart, you're going to make a lot of money without borrowing.