"There is a period of stormy weather ahead to which we had better give head...no one knows when emergencies will strike...set your houses in order. If you have paid your debts, if you have a reserve, even though it be small, then when storms howl about your head, you will have shelter for your wives and children and peace in your hearts. That's all I have to say about it but I wish to say it with all the emphasis of which I am capable." - President Hinckley
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