“Many folks are the like the fellers that had a big tree that needed cutting down. They had committee meetings about where the tree was, what kind of saw they would use, what the best time of day to cut would be, who would be in charge, what kind of risks were involved, and on and on. Somehow they never got around to cutting down the tree. Most days, you'll be better off just grabbing a saw and going after it. The seat of do-nothing always has plenty of takers.”