Remember, before you can be great, you've got to be good. Before you can be good, you've got to be bad. But before you can even be bad, you've got to try.
- Art Williams, founder of A.L. Williams & Associates in 1977, which became Primerica Financial Services in 1991. He built a life insurance empire with a simple philosophy: "Buy Term and Invest the Difference" - getting people to switch from conventional whole-life insurance to term policies. (1942- )