My wife, Mary Watermann, has been a great help in editing my poor spelling, correcting my lack of punctuation and improving my stodgy writing style.  I am indebted to Susan Greenwood for her enthusiasm, diligence and expertise in editing this writing.   My son, Greg Watermann, has been my severest and most helpful critic and has added his artistic flair to the web site.  I am indebted to all my clients, particularly Billy, who have helped me discover what works and what doesn’t work.