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ACKNOWLEDGMENTS





                                         To my children—
                                         Debby and Jake, Barry
                                         and Janel, Kim and
                                         Dave—for their  belief
                                         in me and for being
                                         such good practitioners
                                         of the banking concept.
                                         The same thing goes
               for the inspiration of Patricia K. Walker.
                    To Frank Vawter, who in the beginning, raised
               some key thoughts and questions that led me to
               look deeper into just what is happening in a divi-
               dend-paying life insurance policy with a mutual
               company.  Kent Basson, “Buddy” Mann, Roland
               Nelson, Fred Moss, Billy King, Keith Burton, and
               Rob Colburn were also instrumental in this respect.
                    A special thanks to Paul Cleveland, Jim
               Thorington, and Jacqui Neuwirth for their expert
               assistance in proofreading the manuscript.
                    And to Mike Mallory for putting this book all
               together and getting it printed.
                    Thanks to you all for your contribution.  I am
               very grateful for your friendship and your help.





































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