I am a 67-year-old with a curious mind and zest for life. I have an advanced degree and over 40 years of experience in a wide range of positions—from stock boy and shoe factory worker to investment vice president and a stint as an assistant professor of business. My best advice is to develop a life-long love of formal and informal (life lessons) learning with a focus on honing critical thinking skills and cultivating a sense of civility. Critical thinking, in its simplest form, allows us to determine if there is a logical cause-and-effect relationship or simply a coincidence that is masquerading as the cause. Sounds simple; it is not. Our human nature has us grasping for one answer when often several influences have contributed to the result. Our biases often have us pull out invalid assumptions and prod us to jump to a conclusion before we have thoroughly thought …