You are so correct about paying it forward. When Doc commented about Billionaire Robert Smith paying the student loans off of the class of 2019 at Morehouse College... he said “imagine a Conglomerate.” First off he’s going to provide wealth as he stated for investors, help veterans, help the poor... then I know most of us will continue that path of giving back! I know for myself I truly have been more excited for this opportunity for the means to continue helping others as I have been doing in my personal life... now it will just be on a larger scale. Once this is all set in motion, I can’t imagine a bad word can be and will be ever said about this man! UNVC!