I want to begin with a situation that might happen to a young person. I hope that those of us who are older will think back to our youth and put ourselves into the same story.

Let’s say you’re still living at home and going to school. On a Saturday night you take the family car. Let’s admit you’re an excellent driver and that you have the right to think of yourself as careful and prudent at the wheel. This is the image your parents have of you and you’re pleased with that. Good for you. You are with the gang at your favorite gathering place and you are taking some of them home. Everyone is laughing and you are backing up - and all of a sudden, crunch. Never happened to you before. Quite a blow, to the rear fender and to your self-image. When dad sees the dent in the morning ... If you’re …