I know a friend economist in San Diego who told me that if a business were to grow, people need to spend more. In short, only by spending will the money be able to circulate. I told him (Derek) that this is a load of crock. How can a business grow if it can't save for the rainy day? Derek told me that we're talking different sides here: he about capitalizing, and me about trying to stash the cash. On the other hand, Derek has a point. To see through this point is the beginning of "dollar-wisdom", so they say.