Minimal Quotes & Sayings

I am somewhat uncertain whether there is a definite factual question as to whether natural language handles truth-value gaps ... Nor am I even quite sure that there is a definite question of fact as to whether natural language should be evaluated by the minimal fixed point or another, given the choice of a scheme for handling gaps. We are not at the moment searching for the correct scheme. — Saul Kripke

While I tend to keep embellishment minimal as my clients often possess some of the finest jewellery, I enjoy creating ornamentation that appears like installations, to compliment the overall look. — Stephane Rolland

We know that chasing efficiency too far leads to fragility, and the current excellence models lack explicit minimal governance safeguards and the justification of weighting to be seen currently as universal models of anti-fragility. — Sinan Si Alhir

The childhood poverty of both my parents and their minimal education did much to influence me and my two younger brothers in our education and career choices. One brother became a dentist and the other, a professor of anthropology with a Ph.D. degree. — Ferid Murad

Happiness and success require the highest possible optimism, with minimal expectations. Optimize without limits, and expect anything in particular. — Ammar Moussa

In spite of this, our table's status on the Oronsay continued to be minimal, while those at the Captain's Table were constantly toasting to one another's significance. That was a small lesson I learned on the journey. What is interesting and important happens mostly in secret, in places where there is no power. Nothing much of lasting value ever happens at the head table, held together by familiar rhetoric. Those who already have power continue to glide along in the familiar rut they have made for themselves. — Michael Ondaatje

Clean code can be read, and enhanced by a developer other than its original author. It has unit and acceptance tests. It has meaningful names. It provides one way rather than many
ways for doing one thing. It has minimal dependencies, which are explicitly defined, and provides a clear and minimal API. Code should be
literate since depending on the language, not all necessary information can be expressed clearly in code alone.

-Dave Thomas, founder
of OTI, godfather of the
Eclipse strategy — Robert C. Martin

Network marketing is the only industry that allows common people to earn millions with a minimal investment and zero overhead, coupled with total time freedom and the joy of global travel. There are three magic words that worked for all of us who have made it to the pinnacle and they'll work for you: 'Just don't quit.' — Mark Yarnell

The idea of suicide, understandable as it is, does not seem commendable to me. We live in order to gain the greatest possible amount of spiritual development and self-awareness. As long as life is possible, even if only in a minimal degree, you should hang onto it, in order to scoop it up for the purpose of conscious development. To interrupt life before its time is to bring to a standstill an experiment which we have not set up. We have found ourselves in the midst of it and must carry it through to the end. — Carl Jung

The idea that the rest of the world was somehow being held hostage by the Arab-Israeli conflict once had a minimal basis in reality. In the first 20 years of Israel's existence, every Arab country was in an active state of war with the Jewish state. — John Podhoretz

Your objective is to avoid being on a string.
The first step, I think, is to get over the fear of losing a man by confronting him. Just stop being afraid, already. The most successful people in this world recognize that taking chances to get what they want is much more productive than sitting around being too scared to take a shot. The same philosophy can be applied to dating: if putting your requirements on the table means you risk him walking away, it's a risk you have to take. Because that fear can trip you up every time; all too many of you let the guy get away with disrespecting you, putting in minimal effort and holding on to the commitment to you because you're afraid he's going to walk away and you'll be alone again. And we men? We recognize this and play on it, big time. — Steve Harvey

Certainty is a convenient and easy way out of our discomfort. It is the mind's equivalent of fast food - to satisfy our hunger for answers with minimal effort. — Rod Judkins

Experience conclusively shows that index-fund buyers are likely to obtain results exceeding those of the typical fund manager, whose large advisory fees and substantial portfolio turnover tend to reduce investment yields. Many people will find the guarantee of playing the stock-market game at par every round a very attractive one. The index fund is a sensible, serviceable method for obtaining the market's rate of return with absolutely no effort and minimal expense. — Burton Malkiel

Our main conclusions about the state are that a minimal state, limited, to the narrow functions of protection against force, theft, fraud, enforcement of contracts, and so on, is justified, but any more extensive state will violate persons' rights not to be forced to do certain things, and is unjustified; and that the minimal state is inspiring as well as right. — Robert Nozick

The writing system at the opposite extreme took the longest to emerge: the alphabet, one symbol for one minimal sound. The alphabet is the most reductive, the most subversive of all scripts. In all the languages of earth there is only one word for alphabet (alfabet, alfabeto, ). The alphabet was invented only once. — James Gleick

This was what she had signed up for - a good man and minimal pleasure. — Red Phoenix

What I love about what I get to do is that I'm allowed to create the stories that I want to tell with minimal interference by some very big corporations like Microsoft and Sprint and EA and BioWare. The advantage that these tech companies have is that they understand the space organically, versus traditional media companies. — Felicia Day

If somebody's gonna smoke a joint in their house and not do anybody else any harm, then perhaps there are other things that our cops should be looking at to engage in and try to clean up some of the other problems that we have in society that are appropriate for law enforcement to do and not concentrate on such a, relatively speaking, minimal problem that we have in the country. — Sarah Palin

The ultimate self-effacement
is not the pretense of the minimal,
but the jocular considerations of the maximal
in the manner of Wallace Stevens. — Mark Strand

It's easy to make something with a million style-lines. Simplicity is the most difficult thing to achieve, and that's how I approach design - very minimal, pare it down, perfect. — Keith Michael

Almost as if I have shoved her into a cocoon of my own making, where wings are held tight and breath is taken within the confines of minimal space. And now that we're out . . . Olivia has become a butterfly with a wingspan so wide and beautiful it fills this entire room. And once again, I've become a freaking poet. — Amy Matayo

I have no doubt that as the Iraqi security forces get better, and they are getting better and they are holding territory and they are doing these things with minimal help, that we are going to be able to bring down the levels of our forces. And I have no doubt that that's going to happen in a reasonable time frame. — Condoleezza Rice

G. K. Chesterton once said that the family is a cell of resistance to oppression. Unfortunately, this was one point of Catholic theology that the communists agreed with. To undermine Polish culture, communists struck at its heart - the family. Work and school schedules were organized so that parents had minimal contact with each other and with their children. Birth control and abortion were encouraged, state-sponsored sex education was implemented in schools, and apartments were built to accommodate only small families. — Jason Evert

For the disproportionate fear that the statistically and historically minimal group of women who were both angry and had hairy legs have inculcated both in their detractors and in their wannabe-successors, we should salute them as often as possible — Nina Power

Thank you," he said when he released me. "For coming with me. For not giving me shit about wanting to see my parents." "I have most definitely given you shit." "Then thank you for giving me minimal shit. — Amy Tintera

I love scenes with minimal dialogue. — Peter Gould

Antarctic symphony has a geometric relationship to the landscape. It's saying that this landscape and the minimal kind of, you know I'm talking like seeing ice, is visually kind of eerily minimal. — DJ Spooky

You don't need anger to control children. You do need action, occasionally. Furthermore, you can apply the action anywhere on the time line that is convenient, and children will live contentedly within that boundary. In fact, the closer the action moves to the front of the conflict the less punishment is required. A pinch of the trapezius muscle would not be a sufficient deterrent at the end of a two-hour struggle, whereas it is more than adequate when the conflict is minimal. — James C. Dobson

What audiences end up with word-wise is a hackneyed, completely derivative copy of old Hollywood romances, a movie that reeks of phoniness and lacks even minimal originality. — Kenneth Turan

If we adopt the principle of universality: if an action is right (or wrong) for others, it is right (or wrong) for us. Those who do not rise to the minimal moral level of applying to themselves the standards they apply to others
more stringent ones, in fact
plainly cannot be taken seriously when they speak of appropriateness of response; or of right and wrong, good and evil — Noam Chomsky

Our success has come from the lack of oversight we've provided, and our success will continue to be from a lack of oversight. But if you're going to provide minimal oversight, you have to buy carefully. It's a different model from GE's. GE's works - it's just very different from ours. — Charlie Munger

and squeezed in a few minutes for minimal make-up, — Tracie Puckett

The level of potential physical productivity of a society depends on both the development of the intellect of its members, and a minimal standard of both demographic characteristics and of consumption. — Robert Trout

To give up pretensions is as blessed a relief as to get them ratified. — William James

I love playing out. I love dance music, I love minimal electro. Especially hearing that in clubs, it's a nod to that really. — Andy Bell

I like very minimal stuff. I'm a tomboy at heart - and in body! — Rosa Salazar

In the United States the legacy of settler colonialism can be seen in the endless wars of aggression and occupations; the trillions spent on war machinery, military bases, and personnel instead of social services and quality public education; the gross profits of corporations, each of which has greater resources and funds than more than half the countries in the world yet pay minimal taxes and provide few jobs for US citizens; the repression of generation after generation of activists who seek to change the system; the incarceration of the poor, particularly descendants of enslaved Africans; the individualism, carefully inculcated, that on the one hand produces self-blame for personal failure and on the other exalts ruthless dog-eat-dog competition for possible success, even though it rarely results; and high rates of suicide, drug abuse, alcoholism, sexual violence against women and children, homelessness, dropping out of school, and gun violence. — Roxanne Dunbar-Ortiz

Love and politics are the two great figures of social engagement. Politics is enthusiasm with a collective; with love, two people. So love is the minimal form of communism. — Alain Badiou

U.S. Government propaganda tries to give the impression that aerial bombardment achieves near-surgical accuracy, so that military targets can be destroyed with minimal effect on civilians. Technical documents give a different picture. — Noam Chomsky

A well-designed home has to be very comfortable. I can't stand the aesthetes, the minimal thing. I can't live that way. My home has to be filled with stuff - mostly paintings, sculpture, my fish lamps, cardboard furniture, lots of books. — Frank Gehry

In practice, ship and iterate means that marketing programs and PR pushes should be minimal at launch. If you are in the restaurant business, you call this a soft opening. When you push the babies out of the nest, don't give them a jetpack or even a parachute - let them fly on their own. (Note: This is a metaphor.) Invest only when they get some lift. Google's Chrome is a great example of this - it launched in 2008 with minimal fanfare and practically no marketing budget and gained terrific momentum on its own, based solely on its excellence. Later, around the time the browser pushed past seventy million users, the team decided to pour fuel on the fire and approved a marketing push (and even a TV advertising campaign). But not until the product had proven itself a winner did it get fed. — Eric Schmidt

Some that read this book will find its Libertarian and Constitutionalist slant a bit obtuse and maybe even off-putting. This author makes no apologies for viewing the history of the eugenics movement from this political perspective. It is the ethical and legal underpinnings of the American Revolution that remain as a guiding light while the eugenics movement continues to reemerge long after its alleged demise. Limited, or rather minimal government, goes a long way to curtail the disconnect that emerges when government grows so large that it no longer feels compelled to heed to the dictates of the governed. — A.E. Samaan

Surely no rational or realistic person will discount the possibility that [during wartime] the United States might suddenly resort to nuclear weapons. Those who retain the instinct for survival, not to speak of minimal concern for their fellow man, will seek ways to act before rather than after the event. — Noam Chomsky

It was a cruel world though. More than half of all children died before they could reach maturity, thanks to chronic epidemics and malnutrition. People dropped like flies from polio and tuberculosis and smallpox and measles. There probably weren't many people who lived past forty. Women bore so many children, they became toothless old hags by the time they were in their thirties. People often had to resort to violence to survive. Tiny children were forced to do such heavy labor that their bones became deformed, and little girls were forced to become prostitutes on a daily basis. Little boys too, I suspect. Most people led minimal lives in worlds that had nothing to do with richness of perception or spirit. City streets were full of cripples and beggars and criminals. Only a small fraction of the population could gaze at the moon with deep feeling or enjoy a Shakespeare play or listen to the beautiful music of Dowland. — Haruki Murakami

While large, impersonal orphanages provided children with minimal care and attention from an ever-changing series of nurses, children in loving foster families had available to them surrogate caregivers with whom they readily formed attachments. Children in foster care also demonstrated significantly less distress about the separation from their mothers, and they overcame their distress more readily when reunited with their own families. Therefore, it is not separation per se that is so devastating, but rather the extended stay in a strange, bleak or socially insensitive environment with little or no contact with the mother or other familiar figures. — Patricia K. Kerig

I am happy everywhere except in places where I see glitz and rich farts. I am happiest in Brooklyn, where the concentration of rich farts is minimal. — Nassim Nicholas Taleb

He walked as he'd learned to walk, with only a minimal limp, back straight, head held high in confidence rather than cockiness. He walked like a man who had learned to lean into God for whatever strenth he needed. — Robin Lee Hatcher

A true believer may worship Jehovah, Allah, or Brahma, the supernatural beings who allegedly created all life; a true believer may slavishly adhere to a dogma designed theoretically to improve life; yet for life itself - its pleasures, wonders, and delights - he or she holds minimal regard. Music, chess, wine, card games, attractive clothing, dancing, meditation, kites, perfume, marijuana, flirting, soccer, cheeseburgers, any expression of beauty, and any recognition of genius or individual excellence: each of those things has been severely condemned and even outlawed by one cadre of true believers or another in modern times. — Tom Robbins

So Positive Psychology takes seriously the bright hope that if you find yourself stuck in the parking lot of life, with few and only ephemeral pleasures, with minimal gratifications, and without meaning, there is a road out. This road takes you through the countryside of pleasure and gratification, up into the high country of strength and virtue, and finally to the peaks of lasting fulfillment: meaning and purpose — Martin Seligman

How could a little nick control something I had no control over? It wasn't until he wiped it clean and applied a band-aid that the physical pain of the cut took hold, but I didn't even care. That was a minimal price to pay in order to lessen the internal pain. — S.M. Koz

Most investors, both institutional and individual, will find that the best way to own common stocks (shares') is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) of the great majority of investment professionals. — Warren Buffett

I do not think we will see a stateless society in my lifetime. But I am sure we will not see a state that conforms to the minarchists' ideals. The closer we get, the better, but I see no reason not to aspire for the best government as Thoreau imagined it: none at all. It's certainly more consistently idealistic than what the minarchists imagine, and yet it's at least possible, whereas the existence of a lasting, minimal state is a hopeless fantasy. — Anthony Gregory

Likewise the piercing of the body for multiple rings in the ears, in the nose, even in the tongue. Can they possibly think that is beautiful? It is a passing fancy, but its effects can be permanent. Some have gone to such extremes that the ring had to be removed by surgery. The First Presidency and the Quorum of the Twelve have declared that we discourage tattoos and also "the piercing of the body for other than medical purposes." We do not, however, take any position "on the minimal piercing of the ears by women for one pair of earrings"-one pair only. — Gordon B. Hinckley

Whimsical people were the type who got run over by cars without anybody really noticing or caring that much beyond the damage to the vehicle, which was usually minimal anyway, whimsical folk being kind — John Connolly

The products in my bathroom are pretty minimal. Issey Miyake makes great cologne, and I use everything from Zirh, especially their shave scream. I really like Mario Badesco aftershave, too. It's amazing. — Sam Bradford

We are, in large part, a culture that expects its boys to initiate themselves into manhood. But holistic or even minimal initiation into manhood through relatively unguided self-experimentation is rare. Boys cannot become whole men without men and women making them into men. — Michael Gurian

A minimal level of sportsman ethics afield is mandated by written law. Beyond that, say, when an action is legal but ethically questionable, or when (as Aldo Leopold long ago pointed out) no one is watching, hunter ethics is an individual responsibility. As the existentialists would have it, we determine our own honor minute by minute, action by action, one decision at a time. — David Petersen

I'm not a part of the glamour industry. I would like to focus on my game, and there are minimal chances of me getting into films. — Sania Mirza

There is a weird kind of anonymity a roller coaster provides: It's populated, but everyone's too preoccupied with whirling around the roof of a casino to eavesdrop. It runs a fixed amount of time, has minimal surveillance for lack of a way to descramble the audio, and it's conveniently out of earshot for certain writer- types who might scribble down the plan. — Daniel Younger

I explain the law of compensation like this: 'Returns are minimal in spite of massive effort at the start, yet returns can be massive with minimal effort over time. — Robert Kiyosaki

We don't dance because we can't dance. Our shows, production-wise, are always quite minimal. We always try and keep it more about us having fun and stay away from gimmicks. — Louis Tomlinson

In the absence of a widely practiced and capable attention to our use of the land, to the land-use economies, and to the natural sources of our life, we have a national, or global, economy consisting entirely of capital (rated at monetary value), minimal labor ("jobs," merely numbered, and the numbers always liable to reduction by technology), information (infinite perhaps, but never sufficient), marketing (seduction of the gullible), and consumption (conversion of goods into waste or poison). And so we have lost patriotism in the old sense of love for one's country, and have replaced it with an ignorant, hard-hearted military-industrial nationalism that devours the country. Under — Wendell Berry

Its selection and vetting process. The workers, for their part, can hope for a steady flow of jobs and prompt payment with minimal fuss. Handy's computer system also tries to schedule each worker's jobs in such a way as to minimise travel time. — Anonymous

A slick ponytail is a great way to add a modern, minimal look to your outfit. — Brad Goreski

As for restaurants and fast-food places who tip tons of oil down their drains, they are routinely encouraged to use fat traps, but enforcement is minimal. It costs money to cart away fat (although now that fat is being turned into energy, it can make money). — Rose George

I'm sure corruption in Chechnya is minimal. — Vladimir Putin

The seriousness of emotional deprivation:
It is not difficult to understand how children who have suffered from malnutrition or starvation need food and plenty of care in their bodies are to recover so they can go on to lead normal lives. If, however, the starvation is severe enough, the damage will be permanent and they will suffer physical impairments for the rest of their lives. Likewise, children who are deprived of emotional nurturing require care and love if their sense of security and self-confidence is to be restored. However, if love is minimal and abuse high, the damage will be permanent and the children will suffer emotional impairments for the rest of their lives. — Mark Z. Danielewski

Never Minimal. Never Maximal. Always Optimal. — Jordan Syatt

I think workout clothes should be fun! I definitely don't think I have to wear all black to work out. I would say I am more minimal in my personal style ... but my workout style, anything goes. — Martha Hunt

What I've learned is that makeup well applied can really last all day. I've had makeup on for 17 hours with minimal retouching. Once it's on me, and I start, I don't want to be touched again. — Stephanie March

It seemed as if Muzak had sucked the soul out of the songs, but in fact they had created something entirely new, something close to what Satie imagined: furniture music, music that was clearly a useful and (to their subscribers) functional part of the environment, there to induce calm and tranquility in their shops and offices. Why is it that Satie's compositions, Brian Eno's ambient music, or the minimal spaced-out — David Byrne

You don't even have to move for everything to become horribly complicated, for things to happen, for there to be anger and iitigation, you only have to breathe in this world, the slightest in-breath or out-breath like the minimum swaying inevitable in all light objects hanging by a thread, our veiled and neutral gaze like the inert oscillation of toy airplanes suspended from a ceiling, and that always end up going into battle because of that minimal tremor or pulsation. — Javier Marias

My mother, whose interest in chemistry was rather minimal, nevertheless went to graduate school in the subject and married my father, for whom it was as important as life itself. — George Akerlof

Buddy Holly and the early rock 'n' roll was no lighter than the way I play. It's very minimal. — Joni Mitchell

Have to love the preemptive guilt trip! I will be visiting home for Mother's Day. Hoping for minimal "baby cannon" talk, but realistically that's going to be a big part of the day. — Kate Siegel

But however minimal, however threadbare, it (collective memory) is ballast of a kind. We all need that seven-eighths of the iceberg, the ballast of the past, a general past, the place from which we came.
That is why history should be taught in school. to all children, as much of it as possible. If you have no sense of the past, no access to historical narrative, you are afloat, untethered; you cannot see yourself as a part of the narrative, you cannot place yourself within a context. You will not have an understanding of time, and a respect for memory and its subtle victory over the remorselessness of time. — Penelope Lively

hubris syndrome. This syndrome is characterized by recklessness, an inattention to detail, overwhelming self-confidence and contempt for others; all of which, he observes, "can result in disastrous leadership and cause damage on a large scale." The syndrome, he continues, "is a disorder of the possession of power, particularly power which has been associated with overwhelming success, held for a period of years and with minimal constraint on the leader. — John M. Coates

I'm not musically trained and I'm not all these other things. I'm creative with a keyboard and a drum machine, but I can't really make these perfect minimal musical executions - all the things that would be nice with all these refined poems. — Doseone

His world was distinctly male. His experience with women minimal. They were a different breed, of that he was sure, — Steve Berry

It was designed to operate with minimal assistance from humans, who were without exception the moving part most likely to fail. — John Scalzi

Minimal is the word I'd use to describe how I live and dress, and it's also how I sing. I'm not a big fan of overemoting. — K.d. Lang

If I had written King Lear, I would regret it all my life afterwards. Because that work is so big, that its defects show as huge, its monstrous defects, things even minimal in between some scenes and their possible perfection. It's not the sun with spots; it's a broken greek statue. — Fernando Pessoa

Every Christian in America has some minimal responsibility to get involved in helping the poor brethren in the church in other countries. — K.P. Yohannan

A family of four needs to transport around 200 pounds of water each and every day to meet its most minimal drinking, cooking, and cleaning needs. To manage such an impossible weight, two trips to the well each day by mother and children are not uncommon. Carrying water for basic subsistence devours school time for children and places a dispiriting burden on the enterprising will of parents to struggle out of their material privation. That the water carrying falls traditionally on women adds the insult of gender inequity to the tragedy. — Steven Solomon

To my mind and ear, there is simply nothing that compares to the musical sophistication of a late Beethoven, Bartok, Schubert or Brahms work for minimal forces. — Leonard Slatkin

I inherited some Chanel pieces from my mother. I've worn Prada - absolutely. Wonderful designers are inspiring. I also love designers not known. I love a lot of vintage pieces. I am pretty minimal, pretty classic. — Jaclyn Smith

[M]odern society is indeed often, at least in surface appearance, nothing but a collection of strangers, each pursuing his or her own interests under minimal constraints. — Alasdair MacIntyre

As a chemist, I wanted to ask myself the question frustrated by biology: What is the minimal unit of matter that can undergo Darwinian evolution? — Leroy Cronin

'Sports Illustrated' does extremely minimal retouching. Other publications, however ... phew. They do a lot; I've watched myself be Photoshopped before. It. Is. The. Worst. — Christine Teigen

I take a lot of satisfaction in trying to make my land as self-contained as possible, its own little mini environment. Minimal outputs; minimal inputs. — John Grogan

If you wish to take shamatha all the way to its ground, however, it requires a supportive, serene environment, good diet, proper exercise, and very few preoccupations. The necessary internal conditions are minimal desires, few activities and concerns, contentment, pure ethical discipline, and freedom from obsessive, compulsive thinking. It is my feeling that the achievement of shamatha is so rare today because those circumstances are so rare. It is difficult to find a conducive environment in which to practice at length and without interference - even more so to have that and access to suitable spiritual friends for support and guidance. Therefore, if the causes are difficult to bring together, the result - shamatha - is also necessarily rare. — B. Alan Wallace

The amount of work that a for-profit has to do to get real money is minimal compared to the amount of work it takes a non-profit to get even a very small grant. — Leila Janah

Keep any description of trouble or sickness or error minimal, for there is something inside which is listening, and it says, 'Oh! You like this! I will make you a lot more of it.' — Ervin Seale

The libertarian creed ... offers the fulfillment of the best of the American past along with the promise of a far better future. Libertarians are squarely in the great classical liberal tradition that built the United States and bestowed on us the American heritage of individual liberty, a peaceful foreign policy, minimal government, and a free-market economy. — Murray Rothbard

KFC has no excuse for refusing to adopt these basic, minimal animal-welfare standards ... After two years of fruitless negotiations with the company, we're trying a more personal approach. — Bruce Friedrich

A teacher should have maximal authority, and minimal power. — Thomas Szasz

The 'Tarahumara' use their legs 'as designed.' By running at a young age with minimal footwear, they naturally develop the best biomechanical use of their legs. Cushioned shoes restrict foot movements and allow for over-striding. Short strides are natural. — Christopher McDougall

COIL would very much like to see the creation of a newsgroup for minimal musics. We enjoy a wide spectrum of such musics, from La Monte Young, Alvin Lucier, Arvo Part, Nurse With Wound's Solilique For Lilith,The Dream Syndicate (orig.concept not the newer group who plundered the name) to Synus, Earth and so on.and on and on. Some new so called ambient musics fall between genres and so between newsgroups: some of our own music has certainly been deeply inspired by and informed by such musics,from Partch to Subotnic. — John Balance

With prurient absorption and only minimal risk, we can pretend to be the subject of the lead article on the front page of the Style section of our local newspaper for as long as it takes to finish our morning coffee. — Joanna Scott

If you wanted to create jobs in a way that has minimal effect on the deficit but has government action, the two best things you could do are the infrastructure bank and a simple SBA-like loan guarantee for all building retrofits, where the contractor or the energy-service company guarantees the savings. So that allows the bank to loan money to let a school or a college or a hospital or a museum or a commercial building unencumbered by debt to loan it on terms that are longer, so you can pay it back only from your utility savings. You could create a million jobs doing that. — William J. Clinton