this studymakes an important contribution in that it substantiates the notion that grit is a meaning-ful variable for comparing entrepreneurial intentions between groups.

In a study of university students, Lucas, Gratch, Cheng,and Marsella (2015) found that grittier participants increased their effort in a losing situationcompared to less gritty participants.

business education, that teaches grit,may influence entrepreneurial intent.

grit as one of several self-regulatory processesneeded to support entrepreneurship

The results of this study are intriguing in that extraversion and entrepreneurial intentwere not significantly correlated

individuals higher in grit are higher in conscientiousness and agree-ableness and lower in neuroticism

Since the sample consisted of college students focusing on entrepreneurial intent, itmay be that, in this population, students with more extraverted personalities are fo-cused on positive emotion, sociability, energy, and stimulation in their current environ-ment.

highgrit students had higher means scores for entrepreneurial intent than their counterpartsin the low grit group.

business education allows students to be more realistic about what is neededto start a business, essentially suggesting that endurance (i.e., grit) development should bea cornerstone of the curriculum

Ultimately,openness, conscientiousness, and neuroticism predicted grit

Participants’grit was measured using 12-item scale created by Duckworth et al. (2007).Items on this scale were evenly distributed between two subscales: Grit Interest andGrit Effort

older students exhibited greater entrepreneurial intent.Surprisingly, there was no significant correlation between age and grit. Grit was, however,positively correlated to the number of business classes that students had taken. This sug-gested that students who take lots of business courses are likely to have a high grit scoreas well

correlations between the Big Five and grit werepositive for agreeableness and conscientiousness and negative for neuroticism

Duckworth et al.(2007) found a positive association between grit and age

grittier students were less put offby hard practice, which is the most significant predictor of long-term performancegains

Mean scores on the Big Five personality traits (openness, extraversion, agreeable-ness, and neuroticism) will be significantly different between students with high gritscores and those with low grit scores

A group of students who are higher in grit are expected to have higher meanscores on entrepreneurial intent than a group lower in grit.

educators and men-tors may be able to influence grit by encouraging individuals not only to work with in-tensity, but also to build stamina in pursuit of long-term goals

Significant intercorrelations exist among the study variables (participants’age, thenumber of business classes they had taken, the Big Five, grit, and entrepreneurial intent)

Overall, this study aims to explore the influence of grit on entrepreneurial intentions (i.e.,an individual’s inclination to start new businesses). In particular, a better understanding ofgrit, personality traits, and entrepreneurial intentions may inform business educators

Grit, like personality is an individual difference variable; however, unlike personalityDuckworth et al. (2007) purported that grit may be influenced (e.g., through educa-tional interventions) and changed over time.

Gritty

entrepreneurial intentions precede entrepreneurial actions

there has been increasing interest in examiningself-regulatory processes in entrepreneurship. Self-regulation is associated with successin a number of different areas of activity.

elf-regulatoryprocesses should be especially related to entrepreneurship within innovation ecosys-tems. Innovation ecosystems are competitive environments in which the member orga-nizations share a common set of technologies, knowledge, or skills.

with long time horizons, avoid distractions, invest a lot of effort into those goals, andare not deterred by difficulties.

grit was related to conscientiousness more than anyother of the Big Five personality traits. Grit and conscientiousness share variability intheir focus on achievement; however, grit is distinct in explaining the unique variabilityin persevering toward a long-term goal, while conscientiousness is more short-term ori-entated.

Grit entails the focus of attention onand stamina in pursuit of long-term goals, which are referred to as consistency of inter-est and perseverance of effort (

Most people would agree, at least anecdotally, that individuals who work hard withpractice and diligence may be successful despite of a lack of natural talent

finalists with more grit performed better than non-gritty fi-nalists, due in part to more hours spent studying

These two studies show that talent or IQ, alone, does not translate to success. It takesgrit to be successful.

self-regulation occurred through theindividual’s control over thoughts, emotions, impulses, motivations, and finally behav-iors

People who have grit stick with their goals for years even when there are set-backs and failures

self-regulation was a better indicator of academic per-formance than intelligence

the current study adds to the literature by examining howgrit, a construct related to, yet distinct from conscientiousness, influences the entrepre-neurial intentions that precede future entrepreneurial actions

an individual effectively selects goals, chooses appropriate strategies andactions to achieve those goals, and attends to feedback in order to monitor progressand adjust actions to stay on course or avoid obstacles

entrepreneurs scored higher on conscientiousness and openness to experiencethan managers

the currentstudy sought to elaborate on the impact of individual differences on the entrepreneurialprocess, thus bolstering the explanatory power of broad personality traits through grit.

The current study does not attempt to arrive at an“entrepreneurial personality;”rather, it seeks to understand the variability in entrepreneurialintent explainable by broad personality traits, i.e., the Big Five.

Itshould be further noted that there is evidence from meta-analyses that measures of broadpersonality traits, like the Big Five, do explain variability in entrepreneurial intent

They studiedundergraduate student’s GPA and SAT scores compared to their grit score.

The inconclusiveness ofprevious research leads researchers to wonder if the Big Five traits are too general, sosome researchers have attempted to explain entrepreneurial behavior through more spe-cific traits.

higher grit scores correlated with higher GPAs

a comprehensive framework for the numerous traitsthat can describe a personality. To this end he used the Big Five personality traits:openness to experience, conscientiousness, extraversion, agreeableness, and neuroti-cism

individ- uals with an “entrepreneurial personality”tend to be proactive.

ntrepre-neurial intent as “...a self-acknowledged conviction by a person that they intend to setup a new business venture and consciously plan to do so at some point in the future”

some researchers have endeavored to measure per-sonality in narrow traits to attempt to capture the elusive “entrepreneurial personality.”

entrepre- neurial intent was associated with individuals who were high in openness, conscientiousness,extraversion, and average on agreeableness.

those high in agreeableness related negatively to entrepreneurial intent.

people who were exceptionally open to experi-ence or those who were high in conscientious as related positively to entrepreneurial intent

personality traits precede entrepreneurial inten

A positive relationship between openness and entrepreneurial intentand no relationship between neuroticism and entrepreneurial intent is the only consensus inthese studies.

resultsconfirmed that there was a strong positive association between grit andentrepreneurial intentions

ersonality traits predict entrepreneurial intention, aside from neuroticism, which wasnegatively related

intent may ormay not lead to entrepreneurial action in starting a business and future success.

intent reliably predicts human action

We introduce grit as apotential mechanism through which personality traits relate to entrepreneurial intent

entrepreneurial intent

This project specifically aims to explore the role that the individual characteristic ofgrit plays in relation to entrepreneurial intentions.

Research in the field of entrepre-neurship has placed models of entrepreneurial intentions at the center of our under-standing of the entrepreneurial proces

Grit is described as a consistent focuson and enduring attention to the pursuit of long-term goals.

The current study addresses how per-sonality traits and individual differences in grit influence individuals' entrepreneurial intent.

measures of grit within a larger constructlabeled tenacity

Openness had a direct positive effect on entrepreneurialintentions, but there was no predictive relationship between openness and grit.

A direct effect without mediation indicated that the Big Five personalitytrait in question significantly predicted entrepreneurial intent with no mediation bygrit

entrepreneurial intent is “the expressed behavior intention to becomean entrepreneur”

The happiest people expect nothing from no one.

There are many art pieces that seem happy to some but are just structurally very Goth.

amount of time that the artist had to spend carving all of the tiny details is remarkable

dramatic this piece of furniture would be in a home.

the groove lined pillars, and the statues depicting many historical figures truly show you how deep artists went to depict these works of art themselves

epth and some overlapping to make it seem like the cathedral is truly alive.

diagonal and intersecting lines

abandoned chapel created by a perfect amount of shading, and the spider webs forming all create a feeling as if you are actually there.

e a little bit. I have always been very intrigued with Gothic art. I just think it is beautiful and satisfying to look at. I am currently in a rock band and the overall theme color wise tends to lean towards darker shades. So I see Gothic themes fitting right into my personal criteria.

egulation of emotions was the highest ability of the sub-scales for each entrepreneur. Self control was highly evident in the ability to focus despite ambiguity, obstacles, or emotional chaos and to cope with workplace stress, as well as personal stress

Expression of emotion was not only evident of the entreprencurs, but they appeared expres- sive the majority of the time and do not practice withholding their own emotional information. They each promote a work environment where “the cards are laid on the table” and expression of emotion is encouraged and part of work strategy.

of the self-awareness dimension, each entrepreneur exhibited an exceptional amount of well-grounded self-confidence, a realistic assessment of their own abilities and using self-prefer- ences to guide decision making. Of the self-regulation dimension, delaying gratification was consid- erably apparent. Recovering from distress was also apparent. Of the motivation dimension, using passions to motivate, perseverance and the determination to improve, was highly exhibited by all seven of the entrepreneurs. Of the empathy dimension, cultivating rapport among employees and clients was a skill that each entrepreneur not only exhibited, but also promoted in the work environ- ment. Of the social skills dimension, the ability to persuade and negotiate was considerably strong as well. Therefore, as well as satisfying all three dimension of the Mayer, Caruso, and Salovey (1990) EQ model, each entrepreneur satisfied the components of the Goleman (1998) model

cial skills involve adeptness at inducing desirable responses in others. Similar to the Mayer, Caruso, and Salovey (1990) sub-scale of utilization, the difference lies in its focus of negotiation and persuasive skills.

ach entrepreneur exhibited utilizing anxiety as a source for determination and relentle .

consists of perception, appraisal and expression of emotion; emotional facilitation of thinking; understanding, analyzing and employing emotional knowledge; and reflective regulation of emotions to further emotional and intellectual growth.

Little is known about the EQ possibility to be learnt, and therefore the implications for training

Empathy is awareness of other's feelings, needs, and concerns. Basically the same as the Mayer, Caruso, and Salovey (1990) model, its only difference is the emphasis on rapport building.

Utilizing emotions in problem solving, and in day to day functioning, was particularly strong in all of the entrepreneurs. Emotional reactions to such situations as criticism and rejection, ambigu- ity and stress appeared to be utilized to achieve greater results and persistence. Regarding a setback as a challenge, enduring periods of major and continual minor setbacks, accepting setbacks as nor- mal, transforming them into a positive reason for improvement, showed incredible utilization of emotions.

Self-regulation is managing one’s internal states. impulses, and resources. It involves managing emotions so as to avoid task ation to pursue goals, recovering from emotional distress and being conscientious.

what is missing in the entrepreneurship debate is the influence of emotions, and how imperative a role they play in entrepreneurial success.

Self-awareness involves knowing one’s internal states, preferences, resources and intuitions. It also involves having a realistic assessment of self-ability and a well-grounded sense of self-confidence.

Motivation is emotional tendencies that guide or facilitate reaching goals. It is using passions to drive one towards one’s goals, to persevere and strive to improve.

Trail, cognitive and achievement-motive theory have in some ways enriched the literature and have at least encouraged the debate of an underlying individ- ual difference that sets these personalities apart from the rest. However, the story behind what defines an entrepreneur remains relatively elusive.

Emotions tend to be more fleeting than moods because of their intensity. However they are responsible for creating the ongoing mood,

oods are low intensity, generalized feeling states, unre- lated to the events and circumstances which may have created the mood originally.

ognitive theory, such as the Neck, Neck. Manz & Godwin, (1999) theory of Self-Efficacy Perception, have attempted to explain entrepreneurship as definitive thought processes, in that entre- preneurs are able to perceive greater self ability than the norm and thus achieve greater results.

Emotions are high intensity feelings that are triggered by specific stimuli

the deep desire for personal achievement as the motivator for entrepreneurs to perform beyond the norm.

ntensity defines their differences.

entrepreneurs seem to be defined by one particular talent, they are constantly ‘bringing into being something new, and wrestling with making a success out of what is only partly established’

Entrepreneur trait theory is based on the premise that the beginnings of devel- oping a business is determined by the individual (Littunen, 2000). However, a fundamental problem with trait theory in general is that, not all entrepreneurs have shown to possess the same array of traits.

They are opportunists and creators of opportunities that they can then exploit

Goleman (1998) defines emotional intelligence as having personal competence in the follow- self-awareness, self-regulation, motivation, empathy, and social skills.

The exclusive and integral nature of emotions and moods in cognition and behavior has recently been receiving its due attention

Recent times have seen researchers move away from the financial and economic domain of entrepreneurship and produce a flourish in the effort to define the personal qualities behind the entrepreneur that develops outstanding businesses

Emotional Intelligence (EQ) has been identified as a crucial predictor for workplace success.

hree main theories, motive theory, trait theory and cognitive theory have dominated the psy- chology-based research of entrepreneurship,

While follow-up research that builds on this exploratory study is required, we encour-age entrepreneurship educators to think deeply about how the development of emotionalintelligence competencies can be incorporated into entrepreneurship education.

Trustworthiness is commonly thought of as a combi-nation of character and competence. Teamwork and collaboration depend upon trustwor-thiness and good communication skills. Fortunately, all of these aspects of entrepreneur-ial leadership can be enhanced through focus and skill development and thus these find-ings can prove useful to entrepreneurs

entrepreneurship educators should examine whether integrity andethics are fully incorporated into the entrepreneurship curriculum. In addition, the abilityto deal with uncertainty and ambiguity seems to be a challenge that needs to be continu-ally addressed

but unlike the entrepreneurs in this study,these leaders also scored highest on emotional self-awareness, organizational awareness,developing others and inspirational leadership

The participating entrepreneurs reported that they demonstrated higher levels of self-con-fidence, trustworthiness, achievement orientation, service orientation, empathy, changecatalyst, and teamwork and collaboration in comparison to other competencies in thequestionnaire. In addition, these competencies seemed qualitatively higher when com-pared to the norm in the overall population.

Stagg andGunter (2002) found in their study of firefighers and officers that outstanding leadersdemonstrated higher levels of emotional self-awareness, self-confidence, achievementorientation, organizational awareness, developing others, inspirational leadership, andconflict management.

we found the lower level of demonstration for initiative and adaptabili-ty interesting. Despite explanations offered earlier associating these findings with the cal-culated risk-taking of entrepreneurs, it could be that even successful entrepreneurs find itdifficult to deal with uncertainty and ambiguity.

previous studies

this research is important to our understanding of entre-preneurs and the entrepreneurial process. In particular, the findings may be of interest tothree groups: practicing entrepreneurs who wish to enhance their entrepreneurial skills inan effort to growth their business ventures; entrepreneurship research scholars who strug-gle with definitions of entrepreneurs; and entrepreneurship educators who are faced withpreparing prospective and nascent entrepreneurs.

Another interesting finding was the negative direction for optimism and number ofyears since founding the firm. One might argue that entrepreneurs are most optimisticwhen initiating a new venture and that optimism is likely to be tempered with a huge doseof reality as the firm becomes more established and deals with the challenges of growingand maintaining a business venture.

seize opportunities and becoming impatient and frustrated when these actionsdo not produce desirable results immediately.

While entrepreneurs are often forced to act in unfamiliar situations, the notion of “calcu-lated risk taking” is based on the assumption that entrepreneurs seek information in orderto make decisions and, prior to moving forward, to exploit opportunities. Moreover, whilethose decisions may appear risky to others, the entrepreneur has reduced his feelings ofrisk and “unfamiliarity” associated with pursuing a particular opportunity or set of oppor-tunities through these information and experience gathering activities

higher levels of self-confidence,achievement orientation, and change catalyst.

, and orientation to others

contrary to the popular myth of autonomous and indi-vidualistic entrepreneurs (McClelland, 1961), our entrepreneurs reported a higher level ofdemonstration of teamwork and collaboration compared to other competencies in thestudy

Further research is needed in this area to assess theimportance of trustworthiness in the entrepreneurial process

Since all study participants are highly successfulyoung entrepreneurs, it is possible that they possess a higher level of self-awareness thantypical entrepreneurs.

, personal maturity

An unexpected finding was that both initiative and adaptability were also lower amongthe survey respondents. A person who demonstrates initiative is “ready to seize opportu-nities, pursue goals beyond what’s expected of them, cut through the red tape and bendthe rules, and mobilize others through unusual, enterprising efforts” (Goleman, 1998:122). A person who demonstrates adaptability can “smoothly handle multiple demandsand shifting priorities, and adapt their responses to fit fluid circumstances”

The self-assessment data revealed a number of interesting phenomena among entrepre-neurs. The participating entrepreneurs reported that they demonstrated higher levels ofself-confidence, trustworthiness, achievement orientation, service orientation, empathy,change catalyst, and teamwork and collaboration

found that achievement traits

, controlling and directing

A personwho demonstrates emotional self-control “manages their impulsive feelings and distressingemotions well,” is able to “stay composed even in trying moments,” and is able to “thinkclearly and stay focused under pressure”

distinguished superior-performing entrepreneurs

Table 1. Emotional Competency Clusters and ScalesSelf-Awareness Self-ManagementEmotional Self-AwarenessAccurate Self-AwarenessSelf-ConfidenceEmotional Self-ControlTrustworthinessAdaptabilityAchievement OrientationInitiativeOptimismSocial Awareness Social SkillsOrganizational AwarenessService OrientationEmpathyDeveloping OthersInspirational LeadershipInfluenceChange CatalystsConflict ManagementTeamwork and Collaboration

Emotional self-control was one of the lowest demonstrated competencies

it does not seem prudent totranslate prior emotional intelligence research on leadership to entrepreneurship directly

Goleman (1998) classified emotional intelligence intofour distinct sets of emotional competencies (see Table 1): self-awareness (awareness ofoneself); self-management (management of oneself); social awareness (awareness of oth-ers); and social skills (management of one’s relationships with others)

rustworthinessmight be one of the key ingredients of successful entrepreneurs. Goleman (1998) definedtrustworthiness as the ability to maintain standards of honesty and integrity. A person whodemonstrates trustworthiness acts ethically, builds trust through their reliability andauthenticity, admits their own mistakes, and takes tough and principled positions despiteunpopularity (Goleman, 1998). It is then likely that without building and having trust,entrepreneurs might have difficulty building the support network necessary to ensure thesuccess of their start-up business.

our samplereported that they demonstrated lower levels of emotional self-control, adaptability, andconflict management, and with the exception of conflict management, their values, whilestill slightly higher, were consistent with the norm in the overall population

emotional intelligence helps us to recognize our own feel-ings and those of others, to motivate ourselves, and to manage our own emotions and alsoemotions in our relationships with others

trustworthiness was ranked the highest of all competencies andscored much higher than the overall norm.

little attention has been given to the emotional intelligence of entrepreneurs

these competencies seemed qualitatively higher when com-pared to the norm in the overall population

an emotional competence is “a learned capability based on emo-tional intelligence which results in outstanding performance.”

entrepreneurs runcompanies that are posed for rapid and explosive growth whereas small-business ownersare building lifestyle companies that provide an income.

The concept of an entrepreneurial mindset has been used to bridge the two domains ofdiscovery and creative entrepreneurial proces

Emotional intelligence, defined by Salovey and Mayer (1989) as a form of social intel-ligence

emotional competencies that result in effective oroutstanding performance act as a conduit for emotional intelligence

the key distinction between entrepreneurial behavior andmanagerial behavior is the entrepreneur’s intentionality toward the creative process.

In the creative process, opportunities emerge as individ-uals explore ways to generate economic wealth

Entrepreneurs are defined by theirkeen ability to perceive opportunities that are available to all, but only acted upon by afew

In keeping with the entrepreneurial mindset perspective, we suggest that emotionalintelligence may also contribute to our understanding of the people who are able to suc-cessfully discover, create and exploit opportunities.

egarding the entrepreneurial decision-making process, Hoy and Carland(1983) found entrepreneurs to be more perceptive and flexible while small business man-agers were more logical and methodical in their decision making

Recent cognitive-based research theory development could be classified as eitherfocusing on the discovery or creative process of entrepreneurs

researchers have suggested that a focus on defining entrepreneurship interms of personal characteristics and behaviors of the entrepreneur has been a significantobstacle to the development of a conceptual framework for the field of entrepreneurship

the entrepreneurial mindset includes passionately seeking newopportunities, pursing opportunities with enormous discipline, a focus on execution, andthe ability to engage the energies of others toward a goal

may require demonstration of competencies such as self-management orsocial management skills that are included in the emotional intelligence inventory

not only do entrepreneurs create opportunities through an emergentsearch process, but this process also creates the entrepreneur.

emotional intelli-gence helps us to recognize our own feelings and those of others, to motivate ourselves,and to manage our own emotions and also emotions in our relationships with others

entre-preneurship should not be defined solely in terms of who the entrepreneur is and what heor she does but rather as “a scholarly examination of how, by whom, and with what effectsopportunities to create future goods and services are discovered”

emotional intelligence is the ability to monitor one’s own and others’ feel-ings and emotions, to discriminate among them, and to use this information to guide one’sthinking and action

In the discovery process, entre-preneurial opportunities exist to be discovered by alert entrepreneurs who can objective-ly assess and evaluate the risk factors and exploit opportunities

Thank you for visiting my museum! I hope you enjoyed all of the art I had to offer and learned a thing or two about birds as well :)

the implied content of the drawing serves as a reminder of the violent horror of war, and what it does to its victims.

Rylov uses bright, high contrast colors, such as the bright blue water lines or highlights of the rocks to add some depth to the painting. It feels realistic but whimsical at the same time.

Roosters, Edo period, Ito Jakuchu

"oshidori-fufu"

Cranes have been an important and long-respected symbol in Japanese myth and culture, from ancient to modern times.

Plum Blossoms and Cranes, Edo period, Ito Jakuchu

This painting is held in the Rijksmuseum in Amsterdam (which I have been to, and recall seeing this piece).

erhaps the focal point of the image is the male Indian peafowl (peacock) next to a female.

Even though the figures are birds, they have expressive faces, wide eyes and angry beaks, to display emotion

This is an oil painting from Flemish Baroque artist Pieter Casteels, who focused on painting flower still life's and bird scenes, such as Birds in Elegant Park. He created these pieces during the rise of the Flemish and Dutch middle class in the 17th century, when genre paintings and still life became more popular among collectors.

I find it super cool how someone like me can have an interest in birds and enjoy art from an artist hundreds of years ago who was interested in the same thing.

Let us unite in banishing fear. We have provided the machinery to restore our financial system; it is up to you to support and make it work.

I do not promise you that every bank will be reopened or that individual losses will not be suffered, but there will be no losses that possibly could be avoided; and there would have been more and greater losses had we continued to drift.

It is your problem no less than it is mine. Together we cannot fail.

A rush so great that the soundest banks could not get enough currency to meet the demand.

teetering balance of beauty and misery buried in the human experience- an essential aspect of the exhibition.

how beauty and darkness coexist in

The blues and greens of the ocean create a restful atmosphere, and this contrasts sharply with the whites and grays of the seagulls,

And she is also brave, for she is soaring through the unknown.

The absence of harsh boundaries between water and sky blurs our lines of reality

the convoluted patterns of the plants to the smooth gradient of light and shadow, invites viewers to lose themselves in the piece itself.

carefree metaphor o

sense of reverence.

Ruth and Orpah

The swirling lines enhance the drama of the turmoil, this directly translates to the internal struggle of the figures as they see how their desires and choices might not align.

Yearning, Tranquility, and Tension

This is a journey where visual beauty intersects with the raw emotion of life’s experiences.

e weave together our personal stories, memories, and interpretations; and this is subconsciously represented in how we interpret art.

‘gateway’

This research provides empirical evidence of a relationship between loot box use and problem gambling. The relationship seen here was neither small, nor trivial. It was stronger than previously observed relationships between problem gambling and factors like alcohol abuse, drug use, and depression. Indeed, sub-group analyses revealed that an individual’s classification as either a non problem gambler or a problem gambler accounted for 37.7% of the variance in how much they spent on loot boxes.

This research was ethically approved by the Cross-School Research Ethics Committee for the Schools of Art, Design & Computer Science of York St. John University.

In [20], Drummond and Sauer analysed 22 games which featured loot boxes in order to determine if these games had characteristics of gambling that are necessary for such conditioning, and could therefore form a gateway for gamers to become problem gamblers.

These issues range from domestic abuse [14] and intimate partner violence [15] to involvement in illegal activities [16], increased medical costs [17], and suicidality [18]. Problem gambling is typically described as being both excessive and involuntary.

Problem gambling can be defined as a pattern of gambling activity which is so extreme that it causes an individual to have problems in their personal, family, and vocational life

But in the event that the Congress shall fail to take one of these two courses, and in the event that the national emergency is still critical, I shall not evade the clear course of duty that will then confront me. I shall ask the Congress for the one remaining instrument to meet the crisis—broad Executive power to wage a war against the emergency, as great as the power that would be given to me if we were in fact invaded by a foreign foe.

Values have shrunken to fantastic levels; taxes have risen; our ability to pay has fallen; government of all kinds is faced by serious curtailment of income; the means of exchange are frozen in the currents of trade; the withered leaves of industrial enterprise lie on every side; farmers find no markets for their produce; the savings of many years in thousands of families are gone.

With this pledge taken, I assume unhesitatingly the leadership of this great army of our people dedicated to a disciplined attack upon our common problems.

So, first of all, let me assert my firm belief that the only thing we have to fear is fear itself—nameless, unreasoning, unjustified terror which paralyzes needed efforts to convert retreat into advance.

Feature: A feature is a significant piece of functionality that delivers value to the user. It usually includes several user stories or backlog items. A feature might take one or more sprints to complete.

Epic: An epic is a large body of work that can be broken down into multiple features. It represents a major initiative or goal. An epic might span several sprints or even releases.

."

Each painting has a mysterious story to tell and is unafraid to emphasize the importance of women in culture and civilization.