Once a business man came to me and said, "Well, I cannot understand. There is some sort of bad luck with me, so that I always fail, and I cannot understand why I fail. I went to spiritualists, I went to clairvoyants, I went to people who make one's horoscope. Some said one thing, some another thing; now I cannot make out what is right." I told him, "The right and wrong is in yourself. Listen to yourself. Find out what is going on in your mind. Is it not the memory of the loss that you have had? It is a kind of continual voice going on in your heart. The astrologers will say it is something that is around you; the spiritualists will say that some ghost or spirit is behind it. There may be ghosts or there may not be, but what really happens is that in your heart a voice is saying, "You have failed, you have failed, you have failed." Can you make this be quiet, be silent? As soon as you get rid of this reflection, all will be well with you." He said, "What must I do? How can I do it?" I said, "Determination. Promise me that from now on you will never give a thought to your past failures. Past is past, the present is present. Proceed with hope and courage; all will be well.'