Positive mental attitude (PMA) is a concept first introduced in 1937 by Napoleon Hill in the book "Think and Grow Rich". The book never actually uses the term, but discusses about the importance of positive thinking as a contributing factor of success. Napoleon, along with W. Clement Stone, founder of Combined Insurance, later wrote "Success Through a Positive Mental Attitude," defines positive mental attitude as comprising the 'plus' characteristics represented by words as faith, integrity, hope, optimism, courage, initiative, generosity, tolerance, tact, kindliness and good common sense.