My apology to all those I’ve cussed at and cussed out of my reality.

My sorrow and apology to those I have not loved.

Reality for me is the old school: Don’t buy on credit unless you absolutely have to. And, if you use credit, pay you debt to others first before you do anything else. Keep your promises. Period. The only exception is the land under your feet and roof over your head, which you pay for as long as you live — if necessary.