As many of you you should know, you would know, we have been recently suffering with the economic downturn. Credit crunch and all that. See, credit crunch. Where does that come from? Lack of discipline. The modern world is so diligent and efficient in destroying your discipline. Very simple example is the cash and the credit card. When you have a cash, at the least there is a more chance that you have a discipline because it sort of goes out. But credit card no, because you don’t see the cash. But it is running somewhere. Discipline is difficult in the modern world, like just now the example that I gave you. Our society is not helping us, the television doesn’t help us, advertisement doesn’t help us. Our education, the modern education is never really pro discipline. It is actually to make you want more, make you think that you need this, you need that. Like the iPhone and the the cover for iPhone. You are always forced to think that you need this, you want this. You need this, yes that is what they make you think. So in this midst of all this, discipline is going to be difficult. Not only collectively, individually.