LAST= Listen, Advise, Solve, Thank

JOB= Just Over Broke

IBM= I Blame Microsoft / Idiots Become Managers

GROW= Goals, Reality, Options, Will

FEAR= Forget Everything And Run

ERIC= Emotional Reaction Impedes Control

DIN= Do It Now

CASH= Computer Assisted Self-Help

BFI= Brute Force and Ignorance

ALF= Always Listen First