i think it is also universal problem, there just people who lose it all at once no matter how hard they ve worked to get to have certain balance
it is wise advise , keep giving such blessings to us (uneducated crowd), no seriously it matters that someone can say sensible and wise thing, it gives a better sense of directions
it will be used appropriately...
for the BNB jerk look for a better place to be....
nothing is as reassuring as competence.....