So I'm guessing that because of all of your prior planning and carefulness, you have NEVER been in a situation where you needed ANY help from anybody. Have never asked for a favor, never been a little short on cash, never had you car suddenly break down, never lost your job because of downsizing, never had your account hacked online, never had your house burn down, never experienced the sudden death of a loved one. Given all that, I'm positive that you are an upstanding, responsible citizen that goes out of his/her way to help others. I know that because of your prior planning and carefulness.