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Botvin, chief of the Public Health Department's Division of Prevention and Health Behavior and professor of psychology in public health and psychology in psychiatry at Weill Cornell Medical College

Its your current strategy for achieving those states (or at least the appearance of those states), but its not the only way to develop patience, serenity, and an even temper

In particular, the readers of your plan can compare the level of financial debt on the balance sheet to the equity value to measure the level of financial risk (equity doesn't need to be reimbursed, while financial debt must be repaid, making it riskier)

Thomsen RW, Mailhac A, Lohde JB, Pottegard A