Dear Friends,What’s the difference between a toaster and your favorite charity? For some, not a lot. Recently, a friend of mine was looking for a new toaster. Nothing mattered to her - not cost, not performance. She didn’t even care if it could toast two or four slices. The guiding criterion was that it had to be the right shade of yellow to match her kitchen. I had to chuckle a few weeks later when she called to tell me that it shorted out and blew the circuit breakers in the house. Unfort [...]