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“If you had a bank, writes Robert G. Lee, that credited your account each morning $86,400, that carried no balance from day to day, allowed you to keep no cash in your account, and finally every morning cancelled whatever part of the amount you had failed to use during the day, what would you do? Draw out every cent – of course?

Well, you have such a bank and its name is ‘time.’ Every morning it credits you with 86,400 seconds. Every night it rules off – as lost – whatever of this you have failed to invest to good purpose. It carries no balances. It allows no balances. It allows no overdrafts. Each day the bank named ‘time’ opens a new account with you. Each night it burns the records of the day. If you fail to use the day’s deposits the loss is yours.”

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