Ralph Marston

Make it a habit to tell people thank you. To express your appreciation, sincerely and without the expectation of anything in return. Truly appreciate those around you, and you'll soon find many others around you. Truly appreciate life, and you'll find that you have more of it.

Embrace yourself and do what you can to look and feel your best. Don't put on so many fashion trends that create a ridiculous style statement. Pick and choose what feels good, and flatters your own body.

It is no wonder that bank capital is regulated. When borrowing and lending is profitable, it is tempting for banks to scale up their operations and to borrow and lend too much in relation to their capital, in effect reducing the effectiveness of the potential capital cushion.

I'm no longer just a candidate. I'm the President. I know what it means to send young Americans into battle, for I have held in my arms the mothers and fathers of those who didn't return. I've shared the pain of families who've lost their homes, and the frustration of workers who've lost their jobs.