Without PMA, life might be described as long periods of uncertainty punctuated by occasional emergencies that shake you to the very core of your being. The emergencies may be financial, personal, or health related, but each must be dealt with separately and swiftly. The surest way to deal with any crisis is to focus on solutions, not on the probable cause of the problem or who should be blamed for it. Conduct a quick damage assessment, take the time to think through the alternatives and their consequences, and then act to implement the best solution. If you deal with life’s emergencies as they occur-on your own terms-you will be a stronger, better person for having looked them in the eye and conquered them.