If you had a bank that credited your account each morning with $86,400, but cancelled whatever part of the amount you had failed to use during the day, what would you do? Draw out every cent, of course!

Well, you have such a bank and its name is "Time." Every morning it credits you with 86,400 seconds. Every night it rules off—as lost—whatever of this you have failed to invest in good purpose. It carries no balances. It allows no overdrafts. If you fail to use the day's deposits, the loss is yours.

—Robert G. Lee