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Understanding the Economic Forces: Another lesson from kayaking

In ‘Deep Trouble: True Stories and Their Lessons from Sea Kayaker Magazine’ Matt Broze and George Gronseth share harrowing stories of life and death on the ocean. These stories are meant to educate the rest of us so we don’t get into a similar situation out of lack of knowledge…or that we have more ideas for getting out of them.

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“I am a firm believer in learning to understand the forces at work instead of operating from a set of fixed rules. Obeying rules without an understanding of the reason behind them creates an approximation of competence which leaves one vulnerable to the exceptions.” — Matt Broze

Gosh, sounds like something I might say about tax return analysis…or lending in general.

About the Author
Linda Keith CPA is an expert in credit risk readiness and credit analysis. She trains banks and credit unions throughout the United States, both in-house and in open-enrollment sessions, on Tax Return and Financial Statement Analysis. She is in the trenches with lenders, analysts and underwriters helping them say "yes" to good loans. Creator of the Tax Return Analysis Virtual Classroom at, she speaks at banking associations on risk management, lending and director finance topics.