People do business with people because they choose to not because they have to. 

We can always find others doing the same thing or selling the same product, it's the personal connection that makes the difference.

When we reach a certain age, we begin to talk about what we might bequeath to those we leave behind: frequently our children and often our grandchildren.

Much of our conversation will be about the assets we leave as directed within our Wills (hopefully having actually made our Wills).

Yet inheritance is about more than money and tangible objects; it's also about recollections of events, conversations, shared experiences - in short, the stories that make up a life.

Our earliest childhood memories of learning are usually triggered by seeing the kinds of colourful ‘starter’ books we give to our own children. Our parents pointed to the oversized letters and numbers then spelled them out so we could begin to understand.

Eventually we learned the great benefits of knowing how to express ourselves clearly - while harnessing the power of calculating numbers in pursuit of financial fitness and personal happiness.

This short essay is about a particularly important calculation.