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We strive for security, long for stability and dream of a glowing and predictable future for ourselves and our posterity. But for most of us these hopes and desires are far from certain to be realized. Our world is filled with rapid and often perilous change. We could easily fall victim to an accident, act of violence, debilitating disease or natural disaster. The turbulent winds of economic and social change threaten our financial stability. Wars and acts of terrorism threaten to endanger the fabric of society and make even more elusive the security we seek.