Deacon Chairman Bob Cox and I were talking and he shared with me that there are three stages or phases that most individuals and most institutions pass through in their lifetime. They begin as risk-takers, they move to become caretakers, and they eventually wind up at the undertakers. If you think about your own life and most of the institutions that you know about, you will see them pass through those three phases. They start out as risk-takers with the sense of adventure. They have visions and dreams, and they are willing to launch out. But then maybe because they realize that they have failed up until that time, or maybe because they have succeeded and they want to preserve what they have obtained, they cease to be risk-takers and they become caretakers. They sit on what they’v...