There are very few men and women in whom a Universalist feeling is altogether lacking; its prevalence suggests that it must be part of our inborn nature and have a place in Nature's scheme of evolution.
Some studies show that women can be better money managers than men because they tend to be more conservative and do their homework. Men tend to take more risks without the research.
Perseverance is the hard work you do after you get tired of doing the hard work you already did.

