□ □
[□] □
[] □
Willingness to learn , teach yourself , and seek good advice about how better to manage your finances are indispensable assets in the modern world - no matter how little or how much you earn . But the clerk is not subject to the pains and penalties of the Act no matter how large his embezzlements nor how frequent his convictions . No one , absolutely no one , will escape this no matter how brilliant he may be ; no matter how intelligent and honest a person may be , he cannot escape this . So I would say it is probably not likely that Congress , no matter how hard it works , can draw the kind of bright that line that would forever eliminate the need for somebody to make a judgment call for a court right at the outset about what belongs where .