This brilliant flowchart is the creation of the late H.D. Stephens, the father of a long ago friend of mine. Mr. Stephens, as he would have been known to me, was a high school math teacher, who left the education world for that of computer programming…when no one really knew what that meant. I’m told he did pretty well with computers in their early days, later leaving a well-paying job with an oil company, for a life of happy self-employment. These are his words of wisdom.