A man came up to me one day. He was a clerk in a government office. He earned enough to be able to live a comfortable life, but he always appeared to be in need.

"What do you do with your salary?" I asked him.

"I spend only half of it," he said, "the remaining half I save for the rainy days."

"What may that be?'

And he said, "Who knows? Life is so uncertain. I may meet with an accident and be disabled for life. I may fall seriously ill and become unfit........

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