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My parents started with very little and were the only ones in their families to graduate from college. As parents, they focused on education, but did not stop at academics - they made sure that we knew music, saw art and theatre and traveled - even though it meant budgeting like crazy. ↗
The wisdom of crowds works when the crowd is choosing the price of an ox, when there's a single numeric average. But if it's a design or something that matters, the decision is made by committee, and that's crap. You want people and groups who are able to think thoughts before they share. ↗
