He asked : When is the darkest hour?
She said : Just before the dawn!
He asked: When are things most likely to change?
She said : Just when we have got used to the idea that they will never change.
He asked :When will we have learned our lesson?
She said :When we realise that life holds more lessons than we can ever learn.

People love to make clear announcements in confident tones and lead us all to believe that they know what they are talking about. But they rarely do. Progress, comes in spite of – not because of – the intervention of experts. We can tell people that a situation contains little hope. As a white lie...we do it all the time at work...( I am a consultant..give me a break!)...but can we do that in our personal life, and with our friends. Just so that it might make them a little happier?? I guess not...That would be wrong! But then again...who sets the right and wrong? Is it like what they say "Medicine amuses the patient, while nature effects the cure"... I think not ...Nor is this the only realm in which credit is often wrongly attributed. The deeply superstitious will frequently testify to the efficacy of their plans to avoid spilling salt or walking under ladders. "Look,"they will say, "I did all the right things – and they must have worked because I am still here."But that would still have been the same even if they had done all the wrong things?". so does this mean that we need to follow an insurance policy so expensive that we need an insurance policy to cover our ability to afford it???