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Insight into a person's psyche is revealed from an understanding of their core values, which can be observed in the conduct of their everyday activities, as well as their guiding principles, which provide direction and purpose to their life.

Spencer C. Young embraces a dozen core values in all that he does, and his strategic decision-making (particularly in business) is influenced by ten guiding principles, leading to what the Greek philosopher Aristotle believed was "the ultimate purpose of life . . . happiness".  In its purest form, happiness can be manifested in something as simple as a baby's laugh, yet can be fleeting and elusive for many throughout their lives.

Mr. Young's core values and guiding principles pervade his thoughts, guide his actions and are continually refined by empiricism, the by-product of a fertile mind. The framework for The Dozen Core Values he abides by was derived from Make Today Count, by John C. Maxwell, while The Ten Guiding Principles is an original work, but influenced by the Greek philosopher Socrates, philosophical novelist Ayn Rand, and self-actualization guru, Dale Carnegie.

The Dozen Core Values 
(Alphabetically Listed)
 1.   Exhibit a positive ATTITUDE
 2.   Maintain COMMITMENTS
 3.   Deepen your FAITH
 4.   Express love to FAMILY
 5.   Prudently manage FINANCES
 6.   Engage in GENEROSITY
 7.   Seek GROWTH in learning
 8.   Follow a HEALTHY regimen
 9.   Act with INTEGRITY
 10. PRIORITIZE what must be done
 11. Invest in RELATIONSHIPS
 12. Embrace rational THINKING

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The Ten Guiding Principles (Socratically Linked and Sequentially Presented)
    1.   INTEGRITY - Honesty is the foundation for everything, because there can be no reality without it
  2.   FREEDOM - Creative minds flourish in an environment of reality, free from shackles of prevarication
  3.   CREATIVITY - This is the prerequisite for the cultivation of meaningful and productive achievement
  4.   ACHIEVEMENT - Productive achievement is the rewarding affirmation of one's purpose in life
  5.   REWARD - Legitimate meritocracy fosters the pride necessary to perpetuate meaningful achievement
  6.   PRIDE - Feeling good about one's accomplishments is one such reward; however, this is best internalized
  7.  ALTRUISM - Achievements by those assisted can be more enriching than one’s own, for hope is multiplied
  8.  HOPE - For there to be hope, there must be a sense of optimism for the future
  9.  OPTIMISM - This should be rooted in the belief things will not only improve, but joyous celebrations await
 10. JOY - True living is the cultivation of happiness and is enriched by bringing joy to others.

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The Optimist's Creed

Optimism is the foundation for happiness -- for it overcomes adversity, creates infectious enthusiasm and generates boundless energy -- it makes what may seem impossible . . . possible.  The Optimist's Creed was developed by Christian D. Larson and captures the essence of optimism.  It also serves as the credo for Optimist International (logo is shown on the left), which is an organization that focuses on self-actualization in children -- for they are the future.  This creed is a collection of introspective promises, and is reproduced below (albeit the order has been modified for aesthetic presentation):

Promise Yourself . . .

To be so strong that nothing can disturb your peace of mind.
To talk health, happiness, and prosperity to every person you meet.
To make all your friends feel that there is something worthwhile in them.
To look at the sunny side of everything and make your optimism come true.
To think only of the best, to work only for the best and to expect only the best.
To be just as enthusiastic about the success of others as you are about your own.
To give so much time to improving yourself that you have no time to criticize others.
To forget the mistakes of the past and press on to the greater achievements of the future.
To wear a cheerful expression at all times and give a smile to every living creature you meet.
To think well of yourself and to proclaim this fact to the world, not in loud words, but in great deeds. 
To live in the faith that the whole world is on your side, so long as you are true to the best that is in you.
To be too large for worry, too noble for anger, too strong for fear, and too happy to permit the presence of trouble.

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Philosophical Principles of Tae Kwon Do

As noted in the Personal section, Mr. Young has studied and and engaged in martial arts since his early days in college, the preponderance of which has been Tae Kwon Do.  This Korean form of martial arts means "the way of the foot and fist", and possesses a deep-rooted philosophy, represented by principles developed by its Founder, General Choi Hong Hi, which are presented below.  

Prior to studying Tae Kwon Do, Mr. Young had developed certain character predilections that strongly coincide with Principles 1, 3 and 4 (also reordered for presentation aesthetics), and are indicative of why he expects to resolve MorganStanleyGate:  

1. Be willing to go where the going may be tough and do the things that are worth doing even though they are difficult.
2. Be content with what you have in money and position but never in skills.
3. Never yield to repression or threat in the pursuit of a noble cause.
4. Always finish what you begin, be it large or small.
5. Be gentle to the weak and tough to the strong.
6. Teach attitude and skill with action rather than words.
7. Always be yourself even though your circumstances may change.
8. Be a willing teacher to anyone regardless of religion, race, or ideology.
9. Be the eternal teacher who teaches with the body when young, with words when old, and lasting morals after death.

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The Dearth of Truth & Integrity
by Spencer C. Young

In my opinion, the preponderance of what ails the world today, is predicated on an astonishing lack of truth and integrity.  It is propagated by esurient non-governmental oligarchs who effectively bully a populace with prevarication and fear in order to preserve an oppressive status quo that is rigged to unjustifiably reward only a select few. This is a dangerous manifestation for it mocks the notion of meritocracy, stifles productive achievement and sends us hurtling perversely toward kakistocracy in the public and private sectors.  And MorganStanleyGate is the embodiment of this disturbing manifestation, as evidenced by the TWELVE ELEMENTS OF EVIL associated with it -- for example:

Fraud  -- [Definition: a deception to cause someone to give up something of value, such as money, property or a right]  This element is pervasive throughout the MorganStanleyGate scandal, for NOTHING has been as represented.  It began with an audacious employment fraud, and ended in a series of bank foreclosure frauds . . . and throughout the eight years in between, the TRUTH has been suppressed in order to protect the growing ranks of the guilty (see Cover-up below)

Racketeering -- [Definition: organized conspiracies to engage in unlawful activities for profit]  This element is similarly pervasive as there were numerous instances of coordinated activities employed to cover-up the initial fraud to protect the IQ® franchise and the ensuing unlawful activities that escalated over time required an conspired effort by various parties, including wayward bankers, attorneys and public officials. 

Extortion  -- [Definition: wresting control of something of value by unlawful means, often through threats and misuse of authority]  Veiled threats were employed to get others to cooperate or otherwise remain silent about known unlawful activities, and the fraudulent bank foreclosures are the most obvious manifestation of extortion employed in MorganStanleyGate.

Sabotage  -- [Definition: destruction of property by adversaries intending to undermine a quest or pursuit]  In New York, efforts to regain employment on Wall Street were sabotaged by Morgan Stanley through smears and tortious threats, while in North Carolina, commercial real estate redevelopment work was sabotaged to economically destabilize the properties and create a false impression of incompetence (see Artifice below), and lead to bank foreclosure frauds (as per the Fraud element described above). 

Corruption  -- [Definition: evil or unlawful behavior benefiting one who is not entitled, and to the detriment to one who is]  Observed corruption among public officials (including attorneys, judges, court clerks, police officials, arbitration panels, disciplinary committees) was so rampant, it makes the depravity observed in Chicago during the Prohibition era look like the inadvertent missteps of choirboys. 

Assassination  -- [Definition: a secretive killing carried out in a premeditated manner, or the treacherous harm of a person's publicly perceived character]  The smear campaigns launched in New York, North Carolina and nationally were intended to assassinate Mr. Young's character so that his mounting claims against Morgan Stanley would not be credibly received.  And because he refused to give up his quest for justice in the resolution of MorganStanleyGate, assassination attempts were even made on his life. 

Cover-up  -- [Definition: actions undertaken with the intent to conceal a misdeed or otherwise prevent an investigation that is warranted]  This scandal is coined MorganStanleyGate principally because the initial transgression pales to the criminal acts that followed in the cover-up efforts.  And ALL of the unlawful and amoral acts that occurred in North Carolina, were principally intended to cover up this ever-growing scandal.

Artifice  -- [Definition: a clever trick or stratagem employed to deceive others into thinking what is NOT]  Perhaps the most diabolical aspect of MorganStanleyGate is the artifice of incompetence created by the astonishing number of instances of commercial sabotage carried out against Mr. Young's real estate investments in North Carolina, which were unrelenting, and when combined with the written smear campaign (see the Badmouthing element below).

Badmouthing  --  [Definition: speaking of or offering negative opinions of someone in a disparaging and derogatory manner]  The smear campaign in New York was propagated by word-of-mouth, which specifically discredited Mr. Young's significant investment banking achievements, while the North Carolina smear campaign was carried out through more than 60 false and malicious articles written about Mr. Young in the local newspapers of the Triangle region of North Carolina.

Larceny  -- [Definition:  the wrongful taking (or theft) of assets and personal possessions with the intent to convert them for the thief's own use].  Failing to compensate Mr. Young for creating the IQ® franchise in direct contradiction of express contractual promises, and the fraudulent bank foreclosures of Mr. Young's real estate properties constituted grand larceny of an epic scale.

Eviction  -- [Definition:  to expel a person from real estate due to non-payment of an associated obligation]  This was the latest and perhaps most repulsive and outlandish act of MorganStanleyGate for it entailed the forcible eviction by a corruption-laden SWAT team of over a dozen deputies of the Orange County (NC) Sheriff on a fraudulent bank foreclosure for a mortgage that was NEVER late, NOT delinquent, and PAID-IN-FULL.  This act also included an attempted Assassination (element described above), along with torture by relentless tasering, a bogus arrest, physical and emotional abuse, and an attempt to commit Mr. Young to a mental ward ala Changling style.

Treachery -- [Definition: willful betrayal of trust]  This element is one of the hallmarks of MorganStanleyGate, and its pervasive influence in this scandal is the result of the managed efforts of Kirkland & Ellis -- for it is through their covert system of bartered favors (principally among attorneys) that they arrange "payoffs" of an adversary's attorney to betray the trust of his client.  This is accomplished many ways; however, the most common methodology employed in this scandal was deliberately failing to prosecute Mr. Young's mounting claims and once inquiry is made about the lack of progress, abruptly resign, leaving Mr. Young in the lurch.  Doing so often enough would cultivate a fabricated tainted impression (refer to the Artifice element above) that Mr. Young was an incorrigibly problematic client.  What makes this especially obvious is that in the 20 years preceding the onset of MorganStanleyGate, the many attorneys who represented Mr. Young and his interests NEVER resigned from an engagement.

The elements of Fraud and Treachery are presented as "bookends" to the above Elements of Evil in MorganStanleyGate for they are the elements of this scandal that are the most pernicious, for these elements amplify and make the other elements possible.  And if allowed to propagate without limitation, these elements can bring about unimaginable pain and suffering to countless others, who in many cases are so duped and manipulated, they have no idea about what is really responsible for their suffering.  In Dante's Inferno, the classic canto of poems (and first of a three-part epic poem, Divine Comedy) written in the 14th century by Italian philosopher, Dante Alegheri, he presents his interpretation of Hell as concomitant levels of suffering correlating with various transgressions a person may perpetrate in their lifetime.  Dante described Hell as a series of concentric circles of suffering (see illustration below), whereby being sentenced to an eternity in the outermost level resulted in the most benign of punishment, and the closer to the core one's past sins put them, the greater their eternal suffering would be -- reflecting the notion of "punishment befitting the crime".  

What is most interesting is Dante's belief that Fraud and Treachery were the worst of all crimes . . . even more so than murder.  His thinking was that murder was typically a singular emotion-laden act which was often regretted later, and impacted a relatively small group of people.  And as devastating and final that act may be, it paled in comparison to the devastation brought about by Fraud and Treachery, for they are transgressions often committed undetected, are carried out over a lifetime, often without consequence and, left unchecked, can propagate in a prolific manner thoughout a populace, like a metastasized cancer.

Having experienced the effects of Fraud and Treachery first hand in MorganStanleyGate, Mr. Young concurs with Dante's interpretation, which further reveals why his quest for justice remains steadfast.

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