“I will give you an alternative if only. If only life were so stable, happy, and predictable as to produce ants instead of grasshoppers, year in, year out. The truth is that we all have ant years and grasshopper years—years in which we are able to prepare and save and years where we need a little extra help. Our true flaw lies not in failing to store up enough resources to cope with the grasshopper years, but in believing that each grasshopper year is an anomaly, visited only on us, due to our unique human failings.”