"Your success in investing will depend in part on your character and guts, and in part on your ability to realize at the height of ebullience and the depth of despair alike that this too shall pass."

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Grace does not depend on what we have done for God but rather what God has done for us. Ask people what they must do to get to heaven and most reply, "Be good." Jesus' stories contradict that answer. All we must do is cry, "Help!"

— Philip Yancey