there is a program i am looking into now called givedirectly, which you can contribute a small amountr a large amount of money to individuals in uganda, in which money is transmitted directly to individuals via cell phone. erik: mobile money. bill: most africans have cell phones, so mobile money. if you can do that and contribute $25 or $50 to someone in uganda, that you haven't met, that's almost as good as outperforming the market from my standpoint. erik: almost. [laughter] tell me, bill, how is it that you have been able over the course of amassing something of a personal fortune, as we just established, to remain modest, if you will? how are you different? bill: i give most of the credit to sue, and we have been married for 31 years. she helps me keep grounded. she counts every little penny. erik: that's a lot of counting. bill: [laughs] i know. that's what i tell her. in terms of the philanthropy, i keep telling her, "we've got to get a move on here." am 71, and she is a little bit less. five years or six years less. but, yeah, it is a lot of counting and a lot of giving that ha