They've been disciplined, lived below their means and took advantage of the 401(k) plan. They also did well just by having a plan.

At times we got careless, and because they are very disciplined, they took advantage of it.

You definitely want to use those.

Make sure you have a will, medical power of attorney and, possibly, a trust.

The Russians often took advantage of Lend-Lease.

They looked sluggish at times and we took advantage of that. And a lot of that had to do with the pressure we created at the right times.