The last line of my biography reads that I spend a lavish amount of time on the golf courses or on my boat. Don't let this be misleading. I asked my oldest daughter for her insight on my bio. She wrote in jest that I spend an obscene amount of time golfing and fishing. I changed "obscene" to a less graphic word "lavish" to convey an amount of time. The truth is I retired to Pinehurst, N.C. (the Cradle of American golf) specifically to play on their nine golf courses and I try to play several times a week. Also, I own a bass boat which I take out on nearby lakes to bass fish. My life would not meet any threshold of lavish.