A journalist once asked Carl Sandburg, "What is the ugliest word in the English language?" After a few minutes Sandburg replied, "Exclusive." The ugliness of exclusive depends upon whether we are among the included or the excluded. We pride ourselves on being members of exclusive clubs, living in exclusive neighborhoods, dining at exclusive restaurants, vacationing at exclusive resorts, belonging to exclusive churches. Being an insider carries with it a sense of pride and security. Most of us, however, …