If your bank credited your personal account with $480.00 every morning and then cancelled whatever part of the amount that you failed to use by 5:00 or 6:00 P.M., what would you do? Draw out every dollar and cent, of course! Well, Time is like that bank: Every morning, we are each credited with 480 minutes in an eight hour work day, and 1,440 minutes in a 24-hour period. Every night, or “time bank” writes off as lost whatever we have failed to invest in a good purpose. It carries no balance forward and allows no overdrafts. Each new day, it opens a new account with us, and each night it burns the record for the day.