An office telephone rang one day and a receptionist answered. On the other end of the line a female voice asked, "Is this the Fidelity Insurance company?" "Yes it is," the receptionist replied. "May I help you?" The caller said, "I hope so. I want to talk with someone about having my husband's fidelity insured." The surprised receptionist tried to explain that this was not the kind of insurance that Fidelity handled. Not even Lloyds of London offers that kind of policy. But wouldn't it be wonderful if marital fidelity could be guaranteed or insured?

Building great marriages is one of the biggest challenges of a lifetime. 50 percent of all marriages fail. An additional 30 percent never actually break up but they are less than happy.

Every year in America, two million children are told that…