GUIDANCE    Well, here's another very simple one. We are forced to simplify into pretty much one idea: Keep up the struggle; the effort is worth it because there's a payoff. Fight to be stable. Fight to have a financial future. You gotta get engaged in some worthwhile effort. Between the lines, we are saying that what pays is not so much the reward as the effort itself, like an exercise regimen is good for you. I find it strange that we just say 'Get up off that couch' today, but that's it. . A...