Someone knocks on your front door. You answer the door, and a well-dressed gentleman stands before you. He introduces himself and tells you: “Between now and 4 or 5 years, I will visit you again. I’ll walk into your home  and take at least 10 percent of the cash you have at home.” He then wishes you a great day and walks away. Keep this scene in the back of your mind as you continue reading.

The Surprise


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