Imagine that you are sailing around the world and you have $1,000,000 worth of gold coins with you. Imagine what you might do with that amount of money while you’re sailing. Would you pay off debt as well as fund your entire trip. Would these gold coins allow you to take the year off to continue to sail around the world, enjoying each moment for the next year? As the captain, you’re responsible for guiding the ship and giving directives to your crew and passengers. Now imagine that one of your crew has discovered a tiny hole in the side of the boat. During a rough patch of waters, half of your gold coins have spilled out the side of the boat. Now that might be considered a huge ‘spill’ in your journey. What would you do? Since half of the money is lost, would you count it a total loss and just pour the other $500,000 dollars worth of gold over the side? Or would you close up that hole and use the rest of the money as wisely as possible?