Hey Dave,

Thanks for the prayers! We could use ’em!

The homework PDF’s are just for you. Since there is some personal answers in there that is really just for you. The way we “grade” participation is 1) the submissions you make and the 2) answers to the discussion questions. Every week there will be one thing you are asked to submit. Week 1 is the money life indicator. Week 2 is about your will and s o on. Answering the discussion questions just lets us know you participate. Other than that we can’t really track your progress.