You want a two-stroke lead going into 18. If you get it into the wind, you'd better snap on the chin strap. It's going to be pretty darn tough.

It's a good way to make a small fortune smaller.

If you three-putt to lose a tournament, it sticks with you. If you hit it in water to lose a tournament, it's no big deal. You can always say it was a bad shot or a bad (course) design or whatever. If you three-putt, you feel like a total jackass, because nobody should three-putt. Then it's just kind of nerves taking over.

Water is more of an annoyance. 'We've got to hit a pretty bad shot to hit it in some of the water hazards.

The really idle man gets nowhere; the perpetually busy man does not get much further.

The 'average' customer PIRG mentions has little in common with most bank customers, ... PIRG assumes a typical customer bounces checks, deposits bad checks, pays bills late and generally doesn't manage money well.