At the end of your lives you will not be judged by academic successes, the degrees or diplomas earned, the positions held, the material wealth acquired, or power and prestige, but rather on the basis of what you have become as persons and what you are in conduct and character.

Consumers are learning to look for signs of trouble. Education, outreach and media reports are helping consumers wise up.

Education is not the filling of a pail, but the lighting of a fire.

This year, mend a quarrel. Seek out a forgotten friend. Dismiss suspicion and replace it with trust. Write a letter. Give a soft answer. Encourage youth. Manifest your loyalty in word and deed. Keep a promise. Forgo a grudge. Forgive an enemy. Apologize. Try to understand. Examine your demands on others. Think first of someone else. Be kind. Be gentle. Laugh a little more. Express your gratitude. Welcome a stranger. Gladden the heart of a child. Take pleasure in the beauty and wonder of the earth. Speak your love and then speak it again.

When we . . . read and study the scriptures, benefits and blessings of many kinds come to us. This is the most profitable of all study in which we could engage.

Courage is acting in spite of fear.