A family of enterprises.

KW Speech 1998

Tennessee Governor’s School
For Hospitality and Tourism
Monday, June 8, 1998
Wilson World – Cherry Road

WHAT MAKES FOR SUCCESS?

THE HOLIDAY INN STORY  

I AM OFTEN ASKED, “WHAT MAKES FOR SUCCESS?” AND I’M NEVER QUITE SURE HOW TO ANSWER.  MOST PEOPLE REGARD SUCCESS AS THE ATTAINMENT OF WEALTH.    I THINK A SUCCESSFUL PERSON IS ANYONE WHO TAKES PRIDE IN THEIR WORK, PRIDE IN THEIR FAMILY AND PRIDE IN THEIR COUNTRY.   SURE, IT’S GREAT TO HAVE WEALTH, BUT I THINK MONEY IS JUST A WAY TO KEEP SCORE.  

 AS PARENTS WE ALL TRY TO PASS ON TO OUR CHILDREN THE KNOWLEDGE WE HAVE GAINED THROUGH OUR OWN EXPERIENCES, SUCCESSES AND FAILURES.  AS A BUSINESSMAN I TRIED TO PASS ALONG TO MY CHILDREN THE IMPORTANCE OF BUSINESS AND ECONOMICS AND HOW EACH RELATES TO THE WORLD IN WHICH WE ALL LIVE.  I AM A VERY FORTUNATE MAN IN THAT MY THREE SONS ARE INVOLVED WITH ALL OF MY BUSINESSES AND THEY LEARNED THEIR LESSONS WELL.  MY ONLY PROBLEM IS THAT NOW I HAVE TO LISTEN TO THEIR ADVICE.

 THAT WAS NOT THE CASE BACK IN 1951 WHEN I TOOK MY WIFE AND OUR FIVE CHILDREN ON A VACATION TO WASHINGTON, D.C.  THOSE WERE THE GOOD OLD DAYS WHEN THE CHILDREN STILL HAD TO MIND US AND LISTEN TO OUR ADVICE.  IN THOSE “GOOD OLD DAYS” A MOTEL ROOM WOULD ONLY COST ABOUT $8.00 A NIGHT BUT THEY CHARGED $2.00 EXTRA FOR EACH CHILD THAT STAYED IN THE ROOM.  SO MY $8.00 CHARGE SOON BECAME AN $18.00 ROOM. 

 KEEP IN MIND THAT IF WE COULD GET A ROOM WITH TWO BEDS THIS STILL MEANT THAT MY THREE BOYS SLEPT ON THE FLOOR IN SLEEPING BAGS.  OUR TWO DAUGHTERS WOULD SLEEP IN ONE BED AND DOROTHY AND I IN THE OTHER.   SOMETIMES THERE WAS A DOLLAR DEPOSIT FOR THE KEY AND ANOTHER DOLLAR FOR THE USE OF A TELEVISION.  THIS MADE MY SCOTCH BLOOD BOIL AND AFTER ABOUT THE THIRD NIGHT I TOLD MY WIFE HOW UNFAIR I THOUGHT THIS CHARGE OF $2.00 PER CHILD WAS.  I TOLD HER THAT IT DID NOT ENCOURAGE COUPLES TO TRAVEL WITH THEIR CHILDREN. 

I WAS AN ACTIVE HOMEBUILDER AT THAT TIME AND I TOLD HER THAT BUILDING A MOTEL WAS NO MORE THAN BUILDING A HOME.  I TOLD HER I THOUGHT I COULD BUILD A CHAIN OF MOTELS, COAST TO COAST, SO YOU COULD TRAVEL COMPLETELY ACROSS THE COUNTRY AND STAY AT ONE OF MY HOTELS EACH NIGHT.  MOST TRAVEL IN THOSE DAYS WAS STILL IN THE AUTOMOBILE BUT WITHOUT THE BENEFIT OF THE INTERSTATE SYSTEM WE ARE SO FAMILIAR WITH NOW.    

SHE ASKED ME HOW MANY MOTELS I THOUGHT IT WOULD TAKE AND I JUST THREW OUT THE NUMBER 400.  I REMEMBER HER LAUGHING AND SAYING IT COULDN’T BE DONE.  MY MOTHER, WHO RAISED ME ALONE AFTER MY FATHER DIED WHEN I WAS ONLY 9 MONTHS OLD, HAD INSTILLED IN ME THE BELIEF THAT I COULD DO ANYTHING IF I WORKED HARD ENOUGH AND WANTED IT BAD ENOUGH.  AT THAT MOMENT I WANTED IT REALLY BAD JUST SO MY WIFE WOULDN’T LAUGH AT ME ANYMORE ABOUT MY IDEA. 

I LEARNED A LOT OF THINGS ON THAT TRIP.  I MEASURED EVERY ROOM AND BATHROOM THAT WE STAYED IN AND BY THE TIME WE GOT BACK I KNEW EXACTLY WHAT SIZE ROOMS I WANTED.  I LEARNED A FEW THINGS FROM MY KIDS, TOO.  WHEN YOU TRAVEL WITH FIVE CHILDREN, ALL UNDER THE AGE OF EIGHT, YOU LEARN A LOT OF THINGS.  I LEARNED THE IMPORTANCE OF A SWIMMING POOL.  HOW MANY OF YOU HAVE EVER TRAVELED BY CAR WITH YOUR CHILDREN WITHOUT STOPPING AT A HOTEL AND THE KIDS SAY “MAKE SURE IT HAS A SWIMMING POOL.”   

I LEARNED THE IMPORTANCE OF HAVING A DOCTOR AND DENTIST ON CALL.  WE HAD ONE CHILD WITH A TOOTHACHE AND ANOTHER ONE WITH A BURNING HIGH FEVER.  WE HAD TO GO TO THE PHONE BOOK AND CALL DOCTORS AND DENTISTS UNTIL WE COULD FIND ONE TO HELP US.   FEATURES THAT WE TAKE FOR GRANTED TODAY, I DETERMINED WOULD BE STANDARD IN MY HOTELS SUCH AS FREE TELEVISIONS, TELEPHONES, ICE MACHINES, RESTAURANTS AND, OF COURSE, CHILDREN WOULD BE FREE AS LONG AS THEY STAYED IN THE ROOM  WITH THEIR PARENTS.  FROM THIS TRIP I CAME UP WITH MY FIRST STANDARDS.

AS SOON AS I GOT HOME I WENT TO A DRAFTSMAN THAT WORKED FOR ME NAMED EDDY BLUESTEIN AND I SHOWED HIM WHAT I WANTED.  SEVERAL DAYS LATER HE BROUGHT ME THE FIRST OF THE ROUGH SKETCHES.  ON THE TOP OF IT HE HAD SKETCHED OUT IN SCRIPT THE WORDS,  “HOLIDAY INN.”  I ASKED HIM WHERE THE NAME CAME FROM AND HE SAID HE HAD SEEN A BING CROSBY MOVIE ON TELEVISION THE NIGHT BEFORE.   IN THE MOVIE THE INN WAS OPEN ONLY ON HOLIDAYS.   I SAID, “EDDIE, THAT’S A GREAT NAME- – WE’LL USE IT.”

AT THAT TIME I ALSO HAD A SMALL CHAIN OF MOVIE THEATERS SO I KNEW THE VALUE OF A MARQUEE.  I WENT TO A SIGN COMPANY, BALTON AND SONS, AND TOLD THEM I WANTED A LARGE SIGN, AT LEAST 50 FEET TALL, AND IT SHOULD HAVE A CHANGEABLE LETTER MARQUEE.  THEY CAME BACK WITH ABOUT FIVE SKETCHES AND ONE OF THEM STOOD OUT SO MUCH I SAID, “THIS IS IT – - JUST LIKE YOU’VE DRAWN IT.”  THIS SIGN CAME TO BE KNOWN ALL ACROSS THE COUNTRY AS  “THE GREAT SIGN.”  HOW MANY OF YOU AS YOUNGSTERS, TRAVELING ACROSS THE COUNTRY, MAYBE ON VACATION, DID NOT PLAY THE GAME OF BEING THE FIRST TO SPOT THE HOLIDAY INN SIGN? 

THE FIRST HOLIDAY INN OPENED IN MY HOMETOWN, MEMPHIS, TENNESSEE, IN 1952 AND BEFORE IT WAS FINISHED I HAD THREE OTHERS UNDER CONSTRUCTION.  IT WAS MY IDEA THAT I WOULD BUILD ONE ON EACH CORNER OF THE CITY SO THERE WAS NO WAY YOU COULD COME INTO MEMPHIS WITHOUT PASSING A HOLIDAY INN. 

BY THE END OF 1953 I HAD THE FOUR HOLIDAY INNS OPENED BUT I HAD USED UP ALL MY MONEY AND CREDIT.  I REMEMBERED MY WIFE LAUGHING AND TELLING ME IT COULDN’T BE DONE.  THAT IS WHEN I STARTED DREAMING OF FRANCHISING. 

I DON’T BELIEVE I KNEW THE WORD “FRANCHISE” AT THAT TIME.  I JUST THOUGHT I HAD A GREAT IDEA AND THAT I COULD SELL MY IDEA AND MY PLANS AND SPECIFICATIONS FOR A FLAT FEE OF $500 PLUS A ROYALTY OF 5 CENTS PER ROOM PER NIGHT. 

TO FIND BUYERS FOR MY IDEA, I WENT TO MY FRIEND, WALLACE JOHNSON.  HE WAS ALSO A HOMEBUILDER IN MEMPHIS AND WAS VERY ACTIVE IN THE NATIONAL ASSOCIATION OF HOMEBUILDERS.  I SHOWED HIM MY FIGURES AND EXPLAINED THAT ALL WE HAD TO DO WAS GET ONE HOMEBUILDER IN EACH DIFFERENT CITY IN THE  UNITED STATES TO BUILD A HOLIDAY INN AND WE WOULD SOON HAVE A CHAIN OF 400 HOLIDAY INNS ACROSS THE COUNTRY. 

WE INVITED ABOUT 100 HOMEBUILDERS FROM ALL ACROSS THE U.S. TO COME TO MEMPHIS AND HEAR ABOUT THIS GLORIOUS NEW PLAN ON WHICH THEY COULD MAKE A LOT OF MONEY.  64 HOMEBUILDERS SHOWED UP.  WE SOLD 12 FRANCHISES AND WITH THE GREAT SUM OF $6,000 ADDITIONAL CAPITAL WE THOUGHT WE WERE OFF AND RUNNING.  WE WERE WRONG. 

THE HOMEBUILDERS WENT HOME AND WERE BUSY BUILDING HOMES AND ONLY THREE ACTUALLY BUILT A HOLIDAY INN.  WE THEN DECIDED IF PEOPLE HAD MONEY FOR INVESTMENTS SUCH AS THE STOCK MARKET THEY JUST MIGHT WANT TO INVEST IN AN UP-AND-COMING HOTEL VENTURE.  WE TURNED TO DOCTORS, LAWYERS, DENTISTS – - – ALL KINDS OF PROFESSIONAL PEOPLE. 

THE FIRST FRANCHISED HOLIDAY INN OPENED IN CLARKSDALE, MISSISSIPPI IN 1954.  LUCKILY, WE FOUND OUT BEFORE WE SOLD TOO MANY FRANCHISES THAT THERE WAS NO WAY WE COULD SELL THEM FOR THE ORIGINAL $500 AND 5 CENTS PER ROOM PER NIGHT.  THE FEE AFTER THE FIRST 15 FRANCHISES WAS RAISED TO $2,000 AND 5 CENTS PER NIGHT OR 3% OF THE GROSS ROOM SALES, WHICHEVER WAS THE GREATEST.

OUR FIRST PUBLIC OFFERING WAS 120,000 SHARES AT $9.75.  EXPENSES OF THE OFFERING AMOUNTED TO ABOUT 75 CENTS PER SHARE AND WE ENDED UP GETTING A CHECK FOR A LITTLE MORE THAN $1 MILLION DOLLARS.  BELIEVE YOU ME – - IT WAS MORE MONEY THAN I HAD EVER SEEN.   THIS TIME WE REALLY WERE OFF AND RUNNING. 

THE 50TH HOLIDAY INN OPENED IN DYERSBURG, TENNESSEE IN 1958 AND THE 100TH OPENED IN TALLAHASSEE, FLORIDA IN 1959. THE FIRST HOLIDAY INN OUTSIDE THE UNITED STATES OPENED IN MONTREAL, CANADA IN 1960. WE FINALLY GOT THAT 400TH ONE OPENED IN MONTGOMERY, ALABAMA IN 1963 AND IN 1964 WE  OPENED NUMBER 500 IN JOHNSTOWN, PENNSYLVANIA.

THIS WAS THE IDEA – - – THIS WAS MY DREAM.  THIS IS HOW IT ALL BEGAN IN 1951.  WHEN I RETIRED 28 YEARS LATER AFTER A HEART ATTACK AND OPEN HEART SURGERY, WE HAD 1,759 HOLIDAY INNS IN 50 DIFFERENT COUNTRIES.  TODAY, THERE ARE MORE THAN 2,300 INNS IN 63 DIFFERENT COUNTRIES.

SOMETIMES THE FIRST STEP IS THE HARDEST – COMING UP WITH AN IDEA.   GETTING AN IDEA SHOULD BE LIKE SITTING ON A PIN – - IT SHOULD MAKE YOU JUMP UP AND DO SOMETHING.   I’VE HAD A GREAT MANY IDEAS IN MY TIME.   SOME WERE GOOD, SOME WERE GREAT AND SOME I WOULD PREFER TO FORGET ABOUT.   THE IMPORTANT THING IS TO TAKE YOUR IDEA AND SEE IT THROUGH.   NOT ALL OF YOUR IDEAS ARE GOING TO BE WINNERS BUT JUST REMEMBER, A MAN WHO WINS MAY HAVE BEEN COUNTED OUT SEVERAL TIMES BUT HE DIDN’T HEAR THE REFEREE. 

OF COURSE, MY RISE WAS NOT WITHOUT SOME FAILURES.   BUT IT IS A MISTAKE TO WORRY TOO MUCH ABOUT MAKING MISTAKES.   A MAN WHO NEVER MAKES MISTAKES IS ALSO THE MAN WHO NEVER DOES ANYTHING.   I GUESS I’VE MADE AS MANY OR MORE MISTAKES THAN MOST PEOPLE, BUT I TRY TO LEARN FROM MY MISTAKES AND PROFIT FROM MY FAILURES.   OF COURSE, IT IS STUPID TO MAKE THE SAME MISTAKE TWICE.   HOWEVER, I’VE DONE THAT ALSO.  

MY FRIEND, WHO IS NOW DECEASED, DR. NORMAN VINCENT PEALE, WROTE A BOOK: “ENTHUSIASM MAKES THE DIFFERENCE”.  THIS IS SO VERY TRUE.   ALSO, THE LACK OF ENTHUSIASM MAKES ALL THE DIFFERENCE IN THE WORLD IN A PERSON’S LIFE.   IT HAS BEEN SAID THAT ENTHUSIASM IS THE MOST CONTAGIOUS THING IN ALL THE WORLD.   PERSONALLY, I THINK THE LACK OF IT IS.   BOTH ARE LIKE THE MEASLES, HIGHLY CONTAGIOUS.   VERY LITTLE HAS EVER BEEN ACHIEVED WITHOUT ENTHUSIASM.   ANY INDIVIDUAL IS VERY OLD IF HE HAS OUTLIVED ENTHUSIASM.   ALL WE NEED TO BE REALLY AND TRULY HAPPY IS TO HAVE SOMETHING TO BE ENTHUSIASTIC ABOUT.

ATTITUDE TOWARDS LIFE DETERMINES LIFE’S ATTITUDE TOWARDS US.   MANY GAMES HAVE BEEN WON OR LOST SIMPLY BY THE ATTITUDE OF THE PLAYERS AND THE PARTICIPANTS.   MANY LIVES HAVE FAILED BECAUSE OF THE WRONG ATTITUDE OF THE INDIVIDUAL.   AS LONG AS THE PEOPLE OF THIS GREAT LAND ARE WILLING TO WORK THEN WE CAN KNOW THAT THE AMERICAN DREAM IS VERY MUCH ALIVE AND THERE IS STILL HOPE FOR US.   I FIRMLY BELIEVE THAT ATTITUDE IS ONE OF THE MOST IMPORTANT THINGS IN A PERSON’S LIFE.   ATTITUDE IS A MAGIC WORD IN EVERY LANGUAGE.  

LEARN TO SMILE AND BE HAPPY.  MAKE THE MOST OF WHATEVER COMES TO YOU IN LIFE.   WHENEVER THERE IS A SMILE IN YOUR HEART, YOU JUST CAN’T KEEP IT A SECRET, FOR YOUR FACE AND YOUR ACTIONS WILL REVEAL IT.   IN FACT, THE SMILE ON YOUR FACE IS THE LIGHT IN THE WINDOW THAT TELLS PEOPLE YOU ARE HOME.   ALTHOUGH THERE ARE HUNDREDS OF LANGUAGES IN THE WORLD, A SMILE SPEAKS ALL OF THEM.   IN FACT, A SMILE NEVER NEEDS AN INTERPRETER.  IT MEANS THE SAME IN EVERY LANGUAGE.   A SMILE IS A CURVE THAT CAN SET A LOT OF THINGS STRAIGHT.   IT IS NOT NECESSARY TO KNOW A PERSON’S NAME TO GREET HIM WITH A SMILE.   YOU KNOW, SUCCESS IS BUILT BY DOING EVERYTHING THE BEST POSSIBLE WAY. 

IF YOU ARE REALLY TO BE HAPPY IN LIFE YOU MUST LEARN TO ENJOY, AND EVEN LOVE, YOUR WORK.   IF YOU CAN’T THEN IT IS HIGH TIME TO BE LOOKING FOR ANOTHER JOB.  SUCCESS MAY NOT BE YOURS JUST FOR THE ASKING.  IT CAN CERTAINLY BE YOURS IF YOU ARE WILLING TO WORK HARD ENOUGH FOR IT.   DECIDE NOW THAT YOU ARE GOING TO BE SUCCESSFUL AND THEN PUT EVERY OUNCE OF PHYSICAL AND MENTAL ENERGY INTO THE EFFORT OF MAKING THAT PREDICTION COME TRUE.  

I HAVE ALWAYS BEEN A FIRM BELIEVER IN HARD WORK.  I BELIEVE THE FREEDOM TO WORK IS SECOND ONLY TO OUR FREEDOM TO WORSHIP.  WORK IS THE MASTER KEY THAT OPENS THE DOOR TO ALL OPPORTUNITIES.   IF A PERSON TRULY KNOWS WHAT HE WANTS OUT OF LIFE AND IS WILLING TO WORK HARD ENOUGH FOR IT, THEN YOU CAN REST ASSURED THAT LIFE WILL PAY ITS RICHEST REWARD AND GREATEST DIVIDEND TO THAT PERSON.   I BELIEVE THAT WORK IS NOT A MAN’S DOOM BUT A MAN’S BLESSING.   A FORTY-HOUR WEEK HAS NO CHARM FOR ME.   I’M LOOKING FOR A FORTY-HOUR DAY.

I HAVE WORKED IN BOOM TIMES AND IN RECESSIONS, IN THE GREAT DEPRESSION AND IN TIME OF WAR.   OUR GOVERNMENT HAS HAD REPUBLICANS, DEMOCRATS, CONSERVATIVES AND LIBERALS.   THROUGH ALL OF THIS I HAVE SEEN OUR FREE ENTERPRISE SYSTEM SURVIVE AND PROVIDE THE ECONOMIC MEANS TO BUILD THE GREATEST SOCIETY IN THE HISTORY OF THE WORLD.   MY FEELING IS THAT THE FREE ENTERPRISE SYSTEM IS IN GOOD SHAPE FOR THE LATE 90’S AND THEREAFTER.   THIS IS BECAUSE THE SYSTEM PROVIDES REWARDS FOR THE ENTREPRENEUR WHO RECOGNIZES OPPORTUNITIES AND ACTS ON THEM.  

I HAVE SEEN A LOT OF CHANGES OVER THE SPAN OF MY BUSINESS CAREER AND I GUESS THE ONLY PERFECT SCIENCE IS HINDSIGHT.   THERE IS NO QUESTION THAT EITHER YOU TAKE CHARGE OF CHANGE OR CHANGE WILL TAKE CHARGE OF YOU.  

BEFORE I LEAVE I WANT TO SHARE A LITTLE GARDEN PLAN THAT I CAME ACROSS, I DON’T EVEN KNOW WHO WROTE IT BUT I HOPE IT WILL BRING A SMILE TO YOUR FACE TODAY. 

FOR BEST RESULTS THIS GARDEN SHOULD BE PLANTED EVERY DAY:

FIVE ROWS OF P’S:

  • PREPAREDNESS
  • PROMPTNESS
  • PERSEVERANCE
  • POLITENESS
  • PRAYER

THREE ROWS OF SQUASH:

  • SQUASH GOSSIP
  • SQUASH CRITICISM
  • SQUASH INDIFFERENCE

FIVE ROWS OF LETTUCE:

  • LET US LOVE ONE ANOTHER
  • LET US BE FAITHFUL
  • LET US BE LOYAL
  • LET US BE UNSELFISH
  • LET US BE TRUTHFUL

 THREE ROWS OF TURNIPS:

  • TURN UP FOR CHURCH
  • TURN UP WITH A NEW IDEA
  • TURN UP WITH THE DETERMINATION TO DO A BETTER JOB TOMORROW THAN YOU DID TODAY.

 IN CLOSING, I WOULD LIKE TO PASS ALONG MY “TWENTY TIPS FOR SUCCESS” WHICH HAVE GUIDED AND MOTIVATED ME THROUGH MY CAREER AND I HOPE THEY MAY GUIDE OR MOTIVATE YOU, TOO. 

  1.  WORK ONLY A HALF A DAY; IT MAKES NO DIFFERENCE WHICH HALF – - IT CAN EITHER BE THE FIRST 12 HOURS OR THE LAST 12 HOURS. 
  2.  WORK IS THE MASTER KEY THAT OPENS THE TO DOOR TO ALL OPPORTUNITIES.
  3. MENTAL ATTITUDE PLAYS A FAR MORE IMPORTANT ROLE IN A PERSON’S SUCCESS OR FAILURE THAN MENTAL CAPACITY.
  4. REMEMBER THAT WE ALL CLIMB THE      LADDER OF SUCCESS ONE STEP AT A TIME.
  5. THERE ARE TWO WAYS TO GET TO THE TOP OF AN OAK TREE.   ONE WAY IS TO SIT ON AN ACORN AND WAIT; THE OTHER WAY IS TO CLIMB IT.
  6. DO NOT BE AFRAID OF TAKING A CHANCE. REMEMBER THAT A BROKEN WATCH IS RIGHT AT LEAST TWICE A DAY.
  7. THE SECRET OF HAPPINESS IS NOT IN DOING WHAT ONE LIKES BUT IN LIKING WHAT ONE DOES.
  8. ELIMINATE FROM YOUR VOCABULARY THE WORDS, “I DON’T THINK I CAN” AND SUBSTITUTE,  “I KNOW I CAN.”
  9. IN EVALUATING A CAREER, PUT OPPORTUNITY AHEAD OF SECURITY.  
  10. REMEMBER THAT SUCCESS REQUIRES HALF LUCK AND HALF BRAINS.
  11. A PERSON HAS TO TAKE RISKS TO ACHIEVE.
  12. PEOPLE WHO TAKE PAINS NEVER TO DO MORE THAN THEY GET PAID FOR, NEVER GET PAID FOR ANYTHING MORE THAN THEY DO.
  13. NO JOB IS TOO HARD AS LONG AS YOU ARE SMART ENOUGH TO FIND SOMEONE ELSE TO DO IT FOR YOU.
  14. OPPORTUNITY KNOCKS OFTEN.   IT KNOCKS AS OFTEN AS YOU HAVE AN EAR TRAINED TO HEAR IT, AN EYE TRAINED TO SEE IT, A HAND TRAINED TO GRASP IT AND A HEAD TRAINED TO USE IT.
  15. YOU CANNOT PROCRASTINATE.   IN TWO DAYS TOMORROW WILL BE YESTERDAY.
  16. SELL YOUR WRISTWATCH AND BUY AN ALARM CLOCK. 
  17. A SUCCESSFUL PERSON REALIZES    HIS PERSONAL RESPONSIBILITY FOR SELF-MOTIVATION.   HE STARTS HIMSELF BECAUSE HE POSSESSES THE KEY TO HIS OWN IGNITION SWITCH. 
  18. DO NOT WORRY.   YOU CAN’T CHANGE THE PAST, BUT YOU SURE CAN RUIN THE PRESENT BY WORRYING OVER THE FUTURE.   REMEMBER THAT HALF THE THINGS WE WORRY ABOUT NEVER HAPPEN, AND THE     OTHER HALF ARE GOING TO HAPPEN ANYWAY.   SO,  WHY WORRY?
  19. IT IS NOT HOW MUCH YOU HAVE BUT HOW MUCH YOU ENJOY THAT MAKES HAPPINESS.
  20. BELIEVE IN GOD AND OBEY THE TEN COMMANDMENTS.