Wisconsin's a special place.
A German firm called Friendsurance relies on people forming their own groups, which apply peer pressure to keep claims and costs lower. The result is refunded premiums for customers and profit for the company.
What I try to impart to a musician is to really try to practice the instrument in a really sincere way. Learn as much about music as you possibly can. Learn composition. Study to try to create compositions of your own and put your own personal touch on your music.
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