I am going to put $86,400 into your bank account every day for you to spend any way you wish. However, it will carry no balance over from day to day. Every day, the bank will delete whatever part you failed to use. What would you do? Withdraw every cent? See, each of us has a bank account just like this. It’s the bank of time, because every morning, we are credited with 86,400 seconds. Every night, the bank of time writes off, as a loss, whatever amount of this time we failed to use. It will not carry over any balance, and it will not allow any overdrafts.