SOme years ago as a student at the university, I was impressed with a statement made by Thomas Carlyle, the Scottish essayist and historian. Said He: "Our main business is not to see what lies dimly at a distance, but to do what lies clearly at hand." Another has said, "Today is the tomorrow we worried about yesterday." Too often in life we are tempted to concentrate on the future at the expense of the present. We live in the here and now and must daily solve and resolve the many challenges that confront us. These pages are filled with specific subjects which will help you stay on today"s path.