It was early October of 1986; the year had been a financial disaster for Texas and for me. My income is derived from oil, farming, and real estate. Since January, the price of oil had dropped from $23 to $11 per barrel. Our wheat crop had the lowest yield in the fourteen years that I had owned farms. The Dallas real estate market was the worst I’d seen in the twenty-two years I had been in business. I was clearly in a financial crisis. Not only were my finances a shamble, but my dad had died