Too Soon Old, Too Late Smart

The author wishes to thank a battalion of friends,

associates, educators, church leaders, colleagues,

university alumni, students, parents, grandparents and

civic and business leaders for their encouragement and

cooperation which led to the completion of this book.

Published by

The Belden Center for

Private Enterprise Education

HARDING UNIVERSITY

Cover designer: Chuck Hicks

In-House Editor: Marcella Bailey

Printer: Harding Press

Requests for permission to reproduce

parts of this book should be addressed

in writing to the author as follows:

D.P. Diffine

Harding University, Box 2245

Searcy, Arkansas 72149-0001

(501) 279-4470

Fax (501) 279-4195

e-mail:

Printed in the United States of America

August 1997 -- First Edition