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Dear Steve Morries, On philip.greenspun.com, you asked for feedback on your comments in 2001. Quote: "i want to learn other opinions and why email me financialclarity@aol.com and teach me" I'll try. Not much has changed for the better since then. I've also posted this on http://philip.greenspun.com/writing/index.html , by the way, since that's where it came from. >> Even god himself doesn't propose to judge a man until the end of his days, what gives us the right? << God himself has an omniscient view of life and the universe, and knows everything that will and ever did happen. We don't. Hence, we have to make decisions. Furthermore, God gives us the power and grace of choice. God is, therefore, what gives us the right. Decisions are based on informed judgement, which comes from learning, which comes from direct observation, experimentation, trial and error and ultimately from consequences. Even decisions based purely on beliefs come from this process. This proce...