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Goodman was a moderately successful stockbroker who dreamed of making the big money someday. He took his friend out for a drive, and he chose the route carefully in order to impress on him the possibilities of the brokerage business.

"Look at that yacht," he said as they drove slowly past a marina. "That 96' beauty belongs to the senior partner at Merrill Lynch. That one over there 104' is owned by the head of Goldman, Sachs. And look at that huge 210' yacht out there. That's the pride and joy of the top seller at Prudential-Bache."

His friend Morris was silent. Goodman turned to look at him and saw a pained look on his face.

"What's the matter?" Goodman asked.

"I was just wondering — why aren't there any customers' yachts?"