And we have our one and only fearless leader, our captain, to take us home with some closing remarks to get us through the day.

Steve?

I think I decided to do something a little bit different today.

I want to give you a bullet point list of things to consider on your journey.

I want to give you some bullet points to protect yourself as you're climbing the ladder to success.

These bullet points are things that all of us will,

can, and have experienced, and they come over and over and over at different

levels in different times. Now, the things I'm about to share with you are not the only things,

and I don't have them in any particular order. I just wanted to share them with you.

These are what I call dream crushers.

I can't tell you how many people I know who've had wonderful aspirations and dreams

and got started and they allowed these dreams to get crushed.

And I know a lot of them.

Now, I'm not going to name all of them, but I am going to name some of them.

And I want you all to think about them as I list them so you can be on guard for them because

they are coming.

Oh, don't you think for one moment that they are not coming. These are some of the dream

crushes that you'll encounter. The first one I simply call background chatter. Somehow when you're

on your way, you hear the murmuring in the crowd.

You hear the naysayers.

You just hear this constantly.

Here she come again.

...