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Lesson 6 A little bird was flying south for the winter. It was so cold the bird froze and fell to the ground into a large field. While he was lying there, a cow came by and dropped some dung on him. ? “ ” As the frozen bird lay there in the pile of cow dung, he began to realize how warm he was. The dung was actually thawing him out! He lay there all warm and happy, and soon began to sing for joy. “ ” A passing cat heard the bird singing and came to investigate. Following the sound, the cat discovered the bird under the pile of cow dung, and promptly dug him out and ate him. “ ” The Morals of the Story Are… 1) Not everyone who shits on you is your enemy.  2) Not everyone who gets you out of shit is your friend.  3) And when youre in deep shit, its best to keep your mouth shut! Created For The Purpose Of Entertainment And Knowledge Lesson 1 A man is getting into the shower just as his wife is finishing up her shower, when the doorbell rings. ?The wife quickly wraps herself in a towel and runs downstairs. When she opens the door, there stands Bob, the next-door neighbour.  “ ” Before she says a word, Bob says, “Ill give you $800 to drop that towel.” After thinking for a moment, the woman drops her towel and stands naked in front of Bob after a few seconds, Bob hands her $800 and leaves. “ ” The woman wraps back up in the towel and goes back upstairs. When she gets to the bathroom, her husband asks, Who was that? It was Bob the next door neighbour, she replies. Great, the husband says, did he say anything about the $800 he owes me?  “ ” The Moral of the Story Is… If you share critical information pertaining to credit and risk with your shareholders in time, you may be in a position to prevent avoidable exposure. Lesson 2 A priest offered a Nun a lift. She got in and crossed her legs, forcing her gown to reveal a leg. The priest nearly had an accident. Afte