simply and chic this look, i love! a teacher stands up and says, “the district says we need to talk about this.” or “our principal is asking us to talk about …” immediately you get the impression that the teacher may not be on board with all that the teacher is about to say. these have failed in the past. little black kitten, you need to be mine! if thats what works, then so be it! but if such lessons in money management are so obvious, why then, do so many people nowadays readily buy into shrinking markets? 