COUNSELOR: Hi. I’m John, and I’m glad you picked up this tape [CD]. So you are having some problems in school right now. I hope my talk with Dr. Wade Rowatt will help you. He is a professor at the Southern Baptist Theological Seminary in Louisville, Kentucky. Now, we all have our problems at school, but Dr. Rowatt, what causes a person to fail? I mean, I know they can do better, but they just don’t. Dr. Rowatt: Well, John, that simple question has a very complicated