Throughout his 27-year career as an FBI Special Agent in big cities and small, the author has personally associated with persons of all backgrounds living in circumstances ranging from extreme poverty to ultimate opulence. That has afforded him the unique perspective in analyzing not only the varied living conditions of those observed, but also the multitude of varied causes resulting in those wide-ranging circumstances. Add to that living for two years each in Morocco and Germany and traveling extensively around the world, he became convinced his experience would enable him to pinpoint in a concise manner some of the most significant roots and resulting circumstances encountered by humans throughout their sojourn in mortality; the purpose being to help facilitate an analysis of how to best maximize the worldly challenges faced by each of us. In addition to a joy of writing (this is his 6th published book), Ray and his wife have settled down in Utah having celebrated their 55th wedding anniversary while enjoying their five happily married daughters and 15 grandchildren. Oh yeah, and he probably plays too much golf.