Double entry bookkeeping replaced by internet

There is an interesting question being asked at the moment, given that fact-based knowledge is so accessible using the internet, is there a case for not teaching facts at all?

According to Don Tapscott, a consultant and speaker, who specialises in organisations and technology, memorising facts and figures is a waste of time because such information is readily available. It would be far better to teach students to think creatively so that they can learn to interpret and apply the knowledge they discover online.

“Teachers are no longer the fountain of knowledge, the internet is”
Don Tapscott

Is this the solution for educators with an over full curriculum, the result of having to continually add new content to ensure their qualification remains relevant and topical? Perhaps they can remove facts and focus on skills development? After all its skills that matter, knowing is useful but it’s the ability to apply that really matters …right?

What makes you an accountant

When you start to learn about finance, you will be taught a number of underpinning foundational subjects including, law, economics, costing and of course basic accounting. Sat stubbornly within the accounting section will be double entry bookkeeping. This axiom is fiercely protected by the finance community such that if anyone questions its value or challenges its relevance they will be met with pure contempt. And yet, is the knowledge as to how you move numbers around following a hugely simple rule i.e. put a number on one side and an equivalent on the other of any use in a world where most accounting is performed by computers and sophisticated algorithms? I am sure there will be similar examples from other professions and industries. The challenge being, do doctors really need to understand basic anatomy or lawyers read cases dating back to 1892?

“Everyone is entitled to his own opinion, but not to his own facts”
Daniel Patrick Moynihan

But Knowledge is power

Daniel T. Willingham is a psychologist at the University of Virginia and the author of a number of books including, why students don’t like school. His early research was on the brain, learning and memory but more recently he has focused on the application of cognitive psychology in K-16 education.

Willingham argues that knowledge is not only cumulative, it grows exponentially. In addition, factual knowledge enhances cognitive processes like problem solving and reasoning. How knowledge Helps.

Knowledge is cumulative – the more you know the more you can learn. Individual chunks of knowledge will stick to new knowledge because what you already know provides context and so aids comprehension. For example, knowing the definition of a bond ‘a fixed income instrument that represents a loan made by an investor to a borrower (prior knowledge), enables the student to grasp the idea that anything fixed has to be paid by the company (the lender) regardless of its profitability and this is the reason debt is considered risky. (new knowledge)

Knowledge helps you remember – the elaboration effect has featured in a previous blog. In essence it suggests that the brain finds it easier to remember something if it can be associated with existing information. Using the same example from above, it is easier to remember that bonds are risky if you already knew what a bond was.

Knowledge improves thinking – there are two reasons for this, firstly it helps with problem solving. Imagine you have a problem to solve, if you don’t have sufficient background knowledge, understanding the problem can consume most of your working memory leaving no space for you to consider solutions. This argument is based on the understanding that we have limited capacity in working memory (magic number 7) and so to occupy it with grasping the problem at best slows down the problem-solving process, but at worse might result in walking away with no solution. Secondly knowledge helps speed up problem solving and thinking. People with prior knowledge are better at drawing analogies as they gain experience in a domain. Research by Bruce Burns in 2004 compared the performance of top chess players at normal and blitz tournaments. He found that what was making some players better than others is differences in the speed of recognition, not faster processing skills. Players who had knowledge of prior games where far quicker in coming up with moves than those who were effectively solving the problem from first principle. Chess speed at least has a lot to do with the brain recognising pre learned patterns.

Skills are domain specific – not transferable

There is one other important lesson from an understanding of knowledge – skills are domain specific. The implication being that teaching “transferable skills” e.g. skills that can be used in different areas, communication, critical thinking etc doesn’t work. A skill (Merriam Webster) is the ability to use one’s knowledge effectively and readily in execution or performance. The argument being that in order to use knowledge effectively, it needs to be in a specific domain.
In July 2016 the Education Endowment Foundation in the UK released the results of a two-year study involving almost 100 schools that wanted to find out if playing chess would improve maths. The hypothesis was that the logical and systematic processes involved in being a good chess player would help students better understand maths i.e. the skills would transfer. The conclusion however found there were no significant differences in mathematical achievement between those having regular chess classes and the control group.

Long live double entry bookkeeping

This is an interesting topic and open to some degree of interpretation and debate but it highlights the difficult path curriculum designers have to tread when it comes to removing the old to make space for the new. In addition there is a strong argument to suggest that core principles and foundational knowledge are essential prerequisites for efficient learning.
But whatever happens, we need to keep double entry bookkeeping, not because knowing that every debit has a credit is important but it helps structure a way of thinking and problem solving that has enabled finance professional to navigate significant complexity and change since Luca Pacioli allegedly invented it in 1494.

And the case from 1893 – Carlill v Carbolic Smoke Ball Company

The end of the 2010’s – Reflections

December 2019 is not only the end of a decade but also marks the 10th Anniversary of this blog. Every month for the last 10 years I have written something under the broad heading of exams and how to pass them. That makes it a good point from which to look back at some of the subjects discussed and see if we can learn anything new or simply remind ourselves of what has been forgotten.

By way of context and to get you in the mood here is a random list of memorable events, innovations and developments that have taken place in those 10 years.

Climate change and Greta Thunberg – Uber – Instagram – iPad launched – Wearables – Obama to Trump – Brexit – Streaming and Netflix – Big data – Terrorism and mass shootings – Alexa – Electric cars – Toys R Us and Thomas Cook disappear – Cloud computing – AI – What’s App – Tuition fees £9,000 plus – Grenfell Tower – #Me Too – Refugee crises – Mental health.

Themes
To review over 120 blogs was harder than I thought but a number of themes began to emerge.

Exams, why do we have them, what do they prove etc – Perhaps an obvious but essential category for a blog about exams. Exams are still important and remain a key way in which a candidate can differentiate themselves in the job market. However recently grade inflation and increasing numbers of graduates coming out of University has begun to weaken this argument. We are also seeing a change as to the importance of league tables and measuring the quality of education by a single metric.

In the next decade technology has the potential to provide new and exciting alternatives to the traditional exam, able to assess and reward some of the more nuanced skills needed to prosper in the 2020’s. This together with a wider acceptance as to the value of micro credentials will make for an interesting next few years.

Mental attitude, includes, changing mindset, different thinking strategies and shifts in perspective. Often the importance of state of mind in passing exams is overlooked until something goes wrong. Understandably the student spends their time studying but as a result may miss how ineffective it has become, the result of neglecting their mental wellbeing. Subjects discussed here were the importance of motivation, Carol Duckworth’s Grit, Stress, Commitment, Confidence and Mood. One unfortunate development in recent years has been the growth in mental health issues, this is something I have not dealt with directly partly because it’s an area I don’t feel sufficiently informed to comment. But stress, the more temporary yet often precursor to serious forms of mental illness has been discussed many times.

As important as mental health is from a pure learning and personal perspective it is motivation that captures my imagination and yet remains elusive. This is despite a significant amount of research and time spent in attempting to understand it sufficiently well so that it might be possible to ‘inject it’ at just the right point, reigniting the students interests so they continue to learn more, with greater passion and energy.

Methods and techniques, this theme includes blogs written around the more practical aspects of passing exams, for example, exam techniques, what to do if you fail, using past exams to provide focus, better note making, mind mapping etc. A large amount of time has been devoted to writing blogs to help students do better in the exam. My motivation has always been simple, good students can fail an exam not because they haven’t worked hard enough, not because they are not ‘clever’ enough but simply because they didn’t understand the rules of the game, and that’s not fair.

10 years ago, the most valuable exam technique was to practice past exam questions and whilst this still sits at the top of the list it is not as powerful as it once was. The reason, examinations have and are changing, objective tests and case studies require different skills. For example, although working through a past case study is helpful, it will not give you that perfect symmetry with the real exam. Each case study is unique and although patterns can be seen they are not so easily duplicated. In addition, with the introduction of objective tests we are no longer sure that the questions practiced prior to the exam are the same as those actually in the exam.

How we learn, another big theme, this time exploring subjects such as Learning styles, Personalised learning, Learning science, Meta cognition, Reflection, Neuroscience, etc. An important objective of all the blogs was to remove the subjectivity and indulgence in expressing a personal opinion unless it was supported by evidence. This evidenced based approach underpins many of the blogs on how we learn. The inspiration often comes from new research or a genuine curiosity to find out more about something we take for granted or perhaps never even consider, for example what is going on when we think, what is thinking, how can you improve concentration, define intelligence and how important is it in passing exams.

The subject of intelligence and innate ability/ talent remains an area in which I am hugely interested. The idea that intelligence is 50%- 60% hard wired seems sensible and a certain amount of evidence exists to support this view, but brain plasticity is fascinating and an area I would like to find out more in the future.

2020 is just around the corner
That’s all folks for this decade at least, no predictions as to what might happen in the 2020’s I will leave that for another time. Enjoy what remains of 2019 and here is to the next decade – the decade of figuring out what is true and real – fact from fiction.

Synergy – Direct Instruction part 2

Last month’s blog introduced the idea that Direct Instruction (DI) which is a highly structured form of teaching was a very efficient way of delivering information. The challenge was that in a world where knowledge is largely free “drilling” information using rigid methods does little to develop the skills most valued by employers.

Earlier this year in an attempt to identify some of these higher-level skills, I am not a fan of the term soft skills, LinkedIn analysed hundreds of thousands of job advertisements. They produced a top 5, which are as follows: Creativity, Persuasion, Collaboration, Adaptability and Time management. We might add to this, the ability to think for yourself which in some ways underpins them all.

The modern world doesn’t reward you for what you know, but for what you can do with what you know. Andreas Schleicher

This month I want to expand on what DI is but also add to the argument that DI (teacher led) and discovery based (Student led) are not mutually exclusive, in fact when used together they work better than on their own.

Direct Instruction is learning led
The main reason that despite its many critics DI fails to go away is because of the significant amount of evidence that proves it works. And the reason it works is because it presents information in a brain friendly way.

Cognitive load, this is a very common instructional terms and refers to the limitation of short term or working memory to hold sufficient information at any one time. As a result, it’s better not to bombard the brain with too much information, meaning its more effective for students to reduce distraction and be presented with content broken down into smaller chunks, sequenced and taught individually before being linked together at a later date. This is one of the most important aspects of DI. Avoiding distraction refers not only to external distractions e.g. your mobile phone but information that is not required or is unnecessary in arriving at the desired learning outcome

Retrieval and spaced practice are both used in direct instruction and have been mentioned in previous blogs. They are well researched and the evidence is compelling as to their effectiveness.

Using examples to teach is also something strongly promoted. It is argued that the brain has the ability to use examples to build connections, ironically without DI e.g. if we are talking about pets and we said that a cat is an example of a pet but we already knew a cat was also an animal we could link the two. Next time when the term cat is mentioned we would know it was both a pet and an animal.

Discovery based (Student led – Autonomous – Constructivism)
Many of the discovery-based learning techniques have their roots in the work of psychologists Jean Piaget, Jerome Bruner, and Seymour Papert. The core argument is that self-discovery and the process of acquiring information for yourself makes that information more readily available when it comes to problem solving. In addition, it encourages creativity, motivation, promotes autonomy, independent learning and is self-paced.

It is not however without instruction. Teachers should guide and motivate learners to look for solutions by combining existing and new information, help students avoid distraction and simplify what to a student may appear complex. To expect the student to figure everything out for themselves would be incredibly inefficient and although might lead to a truly original idea is most likely to result in a feeling of wasted time and solutions we already know or are wrong.

Critical thinking processes such as reasoning and problem solving are intimately intertwined with factual knowledge that is stored in long-term memory Daniel Willinghams – Why Students Don’t Like School.

2 + 2 = 5 = Synergy
DI and the many discovery-based learning methods can be used together because together they are far more powerful and effective. Think more of them in terms of a venn diagram with highly effective learning in the middle where the circles overlap and DI in one circle and discovery based in the other. The mix is up to the teacher which in turn is dependent on the time available, the nature of the subject, their judgment of the students and the desired outcome.

You cannot tell students how to think but you can provide them with the building blocks, helping them learn along the way before giving them real world challenges with problems they will have to solve for themselves. Then its into the workplace where the real learning experience will begin.

Learn faster with Direct Instruction – Siegfried Engelmann

What we need to learn is changing, knowledge is free, if you want the answer just google it. According to the World Economic Forum’s Future of Jobs Survey, there is an ever-greater need for cognitive abilities such as creativity, logical reasoning and problem solving. And with advances in AI, machine learning and robotics many of the skills previously valued will become redundant.

No need for the Sage on the stage
These demands have led to significant change in the way learning is happening, no longer should students be told what to think, they need to be encouraged to think for themselves, Socratic questioning, group work, experiential learning and problem based learning have all become popular, and Sir Ken Robinson Ted lecture, do schools kill creativity has had 63 million views.

Sir Kens talk is funny and inspiring and I recommend you watch it, but I want to challenge the current direction of travel or at least balance the debate by promoting a type of teaching that has fallen out of fashion and yet ironically could form the foundation upon which creativity could be built – Direct Instruction.

Direct Instruction – the Sage is back
The term direct instruction was first used in 1968, when a young Zig Engelmann a science research associate proved that students could be taught more effectively if the teacher presented information in a prescriptive, structured and sequenced manner. This carefully planned and rigid process can help eliminate misinterpretation and misunderstanding, resulting in faster learning. But most importantly it has been proven to work as evidenced by a 2018 publication which looked at over half a century of analysis and 328 past studies on the effectiveness of Direct Instruction.

Direct Instruction was also evaluated by Project Follow Through, the most extensive educational experiment ever conducted. The conclusion – It produced significantly higher academic achievement for students than any of the other programmes.

The steps in direct instruction

It will come as no surprise that a method of teaching that advocates structure and process can be presented as a series of steps.

Step 1 Set the stage for learning – The purpose of this first session is to engage the student, explaining specifically what they should be able to do and understand as a result of this lesson. Where possible a link to prior knowledge should also be made.
Step 2 Present the material – (I DO) The lesson should be organised, broken down into a step-by-step process, each one building on the other with examples to show exactly how it can be applied. This can be done by lecture, demonstration or both.
Step 3 Guided practice – (WE DO) This is where the tutor demonstrates and the student follows closely, copying in some instances. Asking questions is an important aspect for the student if something doesn’t make sense.
Step 4 Independent practice – (YOU DO) Once students have mastered the content or skill, it is time to provide reinforcement and practice.

The Sage and the Guide
The goal of Direct Instruction is to “do more in less time” which is made possible because the learning is accelerated by clarity and process.

There are of course critics, considering it a type of rote learning that will stifle the creativity of both teacher and student, and result in a workforce best suited for the industrial revolution rather than the fourth one. But for me it’s an important, effective and practical method of teaching. That when combined with inspirational delivery and a creative mindset will help students develop the skills to solve the problems of tomorrow or at least a few of them.

The independent learner – Metacognition

Metacognition is not a great word but it’s an important one when it comes to learning, especially if you are studying at higher academic levels or on your own. Cognition refers to the range of mental processes that help you acquire knowledge and understanding or more simply, learn. These processes include the storage, manipulation, and retrieval of information. Meta on the other hand means higher than or overarching, put the two together and we are talking about something that sits above learning, connecting it by way of thought. For this reason, it’s often described as thinking about thinking or in this context thinking about how you learn.

Smarter not harder

When you have a lot to learn in terms of subject matter it may feel like a distraction to spend any time learning something other than what you must know, let alone reflecting on it, but this fits under the heading of working smarter not harder, if you can find more effective ways of learning that must be helpful.
As mentioned earlier cognition is about mental processes, storage and retrieval relate to memory, manipulation, to the shifting of attention, changing perception etc. But the meta aspect creates distance, allowing us to become aware of what we are doing, standing back and observing how for example perception has changed, this reflection is a high-level skill that many believe is unique to humans. One final aspect is that we can take control of how we learn, planning tasks, changing strategies, monitoring those that work and evaluating the whole process.

Keeping it simple

Its very easy to overcomplicate metacognition, in some ways its little more than asking a few simple questions, thinking about how you are learning, what works and what doesn’t.  Here are some examples as to how you might do this.

  • Talk to yourself, ask questions at each stage, does this make sense, I have read it several times maybe I should try writing it down.
  • Ask, have I set myself sensible goals?
  • Maybe it’s time to try something different, for example mind mapping, but remember to reflect on how effective it was or perhaps was not.
  • Do I need help from anyone, this could be a fellow student or try YouTube which is a great way to find a different explanation in a different format?

Clearly these skills are helpful for all students but they are especially valuable when studying on your own perhaps on a distance learning programme or engaged in large periods of self-study.

Benefits

There are many reasons for investing some time in this area.

  • Growing self-confidence – by finding out more about how you learn you will discover both your strengths and weaknesses. Confidence isn’t about being good at everything but understanding your limitations.  
  • Improves performance – research has shown that students who actively engage in metacognition do better in exams.
  • Gives control – you are no longer reliant on the way something is taught; you have the ability to teach yourself. Being an autonomous learner is also hugely motivational.
  • The skills are transferable – this knowledge will not only help with your current subjects but all that follow, not to mention what you will need to learn in the workplace.  

It will take some time initially but, in a way, metacognition is part of learning, it’s an essential component and as such you will end up knowing more about yourself at some point, even if you don’t want to, so why not do it sooner rather than later.

And just for fun – Sheldon knows everything about himself – even when he is wrong

Intelligence defined – Inspiring learning leaders – Howard Gardner

Intelligence is a term that is often used to define people, David is “clever” or “bright” maybe even “smart” but it can also be a way in which you define yourself. The problem is that accepting this identity can have a very limiting effect on motivation, for example if someone believes they are not very clever, how hard will they try, effort would be futile. And yet it is that very effort that can make all the difference. See brain plasticity.
I wrote about an inspiring learning leader back in April this year following the death of Tony Buzan, the creator of mind maps. I want to continue the theme with Howard Gardner (Professor of Cognition and Education at the Harvard Graduate School of Education) who I would guess many have never heard of but for me is an inspirational educator.

Multiple Intelligence Theory (MIT)
Now in fairness Howard Gardner is himself not especially inspiring but his idea is. Gardner is famous for his theory that the traditional notion of intelligence, based on I.Q. is far too limited. Instead, he argues that there are in fact eight different intelligences. He first presented the theory in 1983, in the book Frames of Mind – The Theory of Multiple Intelligences. 

This might also be a good point to clarify exactly how Gardner defines intelligence.

Intelligence – ‘the capacity to solve problems or to fashion products that are valued in one or more cultural setting’ (Gardner & Hatch, 1989).

Multiple intelligences

  1. SPATIAL – The ability to conceptualise and manipulate large-scale spatial arrays e.g. airplane pilot, sailor
  2. BODILY-KINESTHETIC – The ability to use one’s whole body, or parts of the body to solve problems or create products e.g. dancer
  3. MUSICAL – Sensitivity to rhythm, pitch, meter, tone, melody and timbre. May entail the ability to sing, play musical instruments, and/or compose music e.g. musical conductor
  4. LINGUISTIC – Sensitivity to the meaning of words, the order among words, and the sound, rhythms, inflections, and meter of words e.g. poet
  5. LOGICAL-MATHEMATICAL – The capacity to conceptualise the logical relations among actions or symbols e.g. mathematicians, scientists
  6. INTERPERSONAL – The ability to interact effectively with others. Sensitivity to others’ moods, feelings, temperaments and motivations e.g. negotiator
  7. INTRAPERSONAL- Sensitivity to one’s own feelings, goals, and anxieties, and the capacity to plan and act in light of one’s own traits.
  8. NATURALISTIC – The ability to make consequential distinctions in the world of nature as, for example, between one plant and another, or one cloud formation and another e.g. taxonomist

I have taken the definitions for the intelligences direct from the MI oasis website.

It’s an interesting exercise to identify which ones you might favour but be careful, these are not learning styles, they are simply cognitive or intellectual strengths. For example, if someone has higher levels of linguistic intelligence, it doesn’t necessarily mean they prefer to learn through lectures alone.

You might also want to take this a stage further by having a go at this simple test. Please note this is for your personal use, its main purpose is to increase your understanding of the intelligences.

Implications – motivation and self-esteem
Gardner used his theory to highlight the fact that schools largely focused their attention on linguistic and logical-mathematical intelligence and rewarded those who excelled in these areas. The implication being that if you were more physically intelligent the school would not consider you naturally gifted, not “clever” as they might if you were good at maths. The advice might be that you should consider a more manual job. I wonder how that works where someone with high levels of physical and spacial intelligence may well find themselves playing for Manchester United earning over £100,000 a week!

But for students this theory can really help build self-esteem and motivate when a subject or topic is proving hard to grasp. No longer do you have to say “I don’t understand this, I am just not clever enough”. Change the words to “I don’t understand this yet, I find some of these mathematical questions challenging, after all, its not my strongest intelligence”. “I know I have to work harder in this area but when we get to the written aspects of the subject it will become easier”.

This for me this is what make Gardner’s MIT so powerful it’s not a question of how intelligent you are but which intelligence(s) you work best in.

“Discover your difference, the asynchrony with which you have been blessed or cursed and make the most of it.” Howard Gardner

As mentioned earlier Howard Gardner is not the most inspirational figure and here is an interview to prove it, but his theory can help you better understand yourself and others, and that might just change your perception of who you are and what you’re capable of – now that’s inspiring!

MI Oasis – The Official Authoritative Site of Multiple Intelligences 

Dont worry, Be happy

It’s so easy for well-meaning people to say don’t worry, it’s not bad advice it’s just not very helpful. Firstly, as I have mentioned in previous blogs anything framed as a don’t is difficult for the brain to process. Far better to tell someone what to do than tell them what not.

Secondly If you look up a definition of worry it will say something like, “thinking about problems or unpleasant events that you don’t want to happen but might, in a way that makes you feel unhappy and or frightened.” What a strange concept, why would anyone want to do this?

Having started but I hasten to add not yet finished the second of Yuval Noah Harari’s bestselling books Homo Deus, it’s hard not to question the reason we might have evolved to hold such a strange view. What possible evolutionary purpose could feeling bad or frightened serve?

Don’t worry be happy, In every life we have some trouble. When you worry you make it double.

Worry can be helpful
The truth is worry can be helpful, it’s a means by which the brain can help you prioritises events. It’s not a nice feeling but ultimately humans have evolved to survive and reproduce, they are not meant to be vehicles for happiness. Think of all that goes through your head in a day, the words, the emotions, the noise. How can you possibly figure out what is important and what is not unless you have a little help? Worry does just that, it helps us think about an event in the future that might happen, this heightened focus puts it above the events of the day giving us a chance to do something about it.

Action is worry’s worst enemy – Proverb

Worry, stress and anxiety
Worry tends to be specific; I am worried that I won’t be able to pass the maths exam on the 23rd of September. Worry is future based, it anticipates a problem that has not yet happened, the main reason is to make you do something about it today. Stress on the other hand is relatively short term and arises when the gap between what you need to do and are able to isn’t enough. For example, I haven’t got time to learn everything I need to pass this exam, there is just too much to learn. After the event, the stress level will fall. Anxiety is the big brother of them both, it is far more general than worry, for example, I am not very clever and never have been. You’re not really sure what cleverness is, but you’re still able to be anxious about it. Both stress and worry can lead to anxiety if they are intense or go on for too long.

Worry can wake you in the night, asking your brain to solve the problem. However, unless fully awake It’s unlikely you will be able to do so, instead you will simply turn the problem over in your head again and again and deprive yourself of that all-important sleep. Best put it to the back of your mind if possible, think of something else, the problem will feel less important in the morning and after a good night’s sleep you will be far more able to solve it.

It helps to write down half a dozen things which are worrying me. Two of them, say, disappear; about two of them nothing can be done, so it’s no use worrying; and two perhaps can be settled – Winston Churchill

What to worry about
The human mind is so creative it’s possible for it to worry about almost anything. As one worry is resolved another can appear.

  • Don’t know what to do – where do I start, what should I learn first
  • Don’t know how to do it – how can I get this into my head, what is the best way of learning?
  • Don’t know if I can do it, self-doubt – I am not clever enough. This can lead to anxiety.
  • Don’t know how long it will take, what if I don’t have enough time?

One technique to change these from unknowns to possibilities is to follow the advice of Carol Dweck who suggests you add a word to the end of the sentence – the word is YET. For example, I don’t know what to do YET! Although this may seem trivial it moves the worry from unsolvable to something that if you spend time on can be achieved.

The list of “dont knows” are all triggers to help motivate you, they are calls to action, the only way to reduce the worry is to do something, even if as Churchill suggest you make a simple list. However, there are situations when you can’t take action or at least not an obvious one, perhaps when waiting for exam results. It might seem that all you can do is worry. The bad news is, putting yourself in what can feel like a permanent state of worry can result in anxiety and won’t turn that fail into a pass. But all is not lost, planning for the worst whilst hoping for the best is sensible, coming up with a plan that is achievable can remove the pressure, leaving the feeling that even if you do fail there is a way forward and you can do something about it.

We can end with another quote from Winston Churchill who I am sure had a few worries in his time.

Let our advance worrying become advance thinking and planning