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On this day in history, February 15th 590...
by Mike-ODonnell on 

Khosrow II was crowned king of Persia, and was the last great ruler of the Sasanian Empire, reigning, as he did, from 590 to 628, and ruling over huge swaths of land and even huger swaths of peoples.

Although Khosrow is unlikely to be featured on any US postage stamp anytime soon, his story is worthy of a HBO mini-series because it contains all the ingredients that those who enjoy the follies of the rich and apparently famous, would find fascinating.

His two uncles (= his mother’s two brothers) decided to waste their brother-in-law by first blinding and then killing him, and then they decided, in penance for their evil deeds, to put his 20 year-old son, Khosrow, on the throne. This annoyed one of the ex-dad’s senior army commanders who raised his own army and defeated the usurpers at a battle near the Sasanian capital of Ctesiphon. The miscreants fled and sought help from Rome (the one based in Constantinople) to regain it. They eventually helped out and then Khosrow and the two uncles wrestled control back the next year. Things settled down a little from there and the two uncles were given plum jobs in the cabinet and everyone thought it was a “happier ever after” moment in the making. But Khosrow soon began to regret the murder of his dad, what with the dogs running to the uncles now, and he began to ask the ultimate question, “to be, or not to be”, and paced the palace hallways late into the night questioning himself and checking things off on an imaginary clipboard. It wasn’t too long before Khosrow decided to right the wrong and put out the order to arrest and kill the two uncles.

He was able to get to one of them but once the other learned of his brother’s fate, he (a) wrote a rude letter comparing Khosrow to the rear end of a domesticated hoofed mammal of the horse family and (b) assembled his own army and had a popular uprising. It wasn’t until after several indecisive military encounters and a year after the eventually consummated and contrived murder of the remaining uncle, that the remnants of the popular people’s rebellion against Khosrow were finally quelled.

A period of quiet ensued during which, for a bit of variety, he had the Arab king of the Lakhmids of Al-Hira executed for not allowing Khosrow to marry his daughter, before launching, in 602, a full scale invasion of the Byzantine empire, Armenia, Egypt, and everywhere else in Asia Minor that he could get to by camel. On one of his sorties, he reportedly captured and carried off the “true cross” from Jerusalem in 614. His empire reached its zenith in 618 and then slowly went into decline, as is the wont of most empires, under military pressure from all sides.

Eventually Khosrow was captured in 628 and executed by one of his sons who reportedly had him shot to death, slowly, by arrows. This later became a Valentine’s Day tradition.

Did I mention that at one time Khosrow had a “shabestan” (also referred to as an inner sanctum or harem) in which over 3,000 concubines resided? Probably not as it isn’t really relevant to this story and may not have even been true because it has never being legitimately substantiated in the historical record.  

What has this to do with anything related to Colorado Lending Source? Well, nothing much, as usual but there are some clues in there for my two readers who sometimes think that everything will always be rainbows and unicorns.  

The bank default rate on C&I loans has doubled over the last six quarters at the same time that the default rate on commercial real estate loans has halved. There may be something in the wind. Turn slowly into it and have a good sniff next time the opportunity presents itself. (But keep upwind of pot growing facilities when doing so.)

And as Kermit the Frog is famously quoted as saying: “Always be yourself. Never take yourself too seriously. And beware of advice from experts, pigs and members of Parliament.”

And aren’t those words that all of us can live by?  I know I do. Everyday!

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On this day in history, January 11, 1569...
by Mike-ODonnell on 

On this day in history, January 11th 1569, the first recorded lottery in England was held with the winning ticket being chosen in the nave of St. Paul’s Cathedral in London.

Of course, the history of St. Paul’s is fascinating in of itself. The site was home to a Roman temple in 410 AD and it wasn’t until 604 AD that Saint Mellitus, a wondering monk of no fixed abode, who arrived in Britain with Saint Augustine on a special secret mission from Rome, founded St Paul’s. The earliest buildings were relatively short-lived structures, repeatedly damaged by fires and Vikings scavenging for spam. It wasn’t until about 1087 AD when Bishop “space cowboy” Maurice, Chaplain to William the Conqueror, built a structure that became the longest standing home for Christian worship on the site to date, surviving for almost six hundred years.

The Cathedral “quire” (this is the area in a church where the choir sits, in case you didn’t know – I must admit I didn’t) was the first part of the new building to be completed in 1148, enabling the Cathedral to get up and running as a place of worship as quickly as possible. Of course, up until the Reformation, St Paul’s was a Catholic cathedral. A great deal of public activity also took place there it wasn’t always welcomed by those looking after the church; trade, sports and ball games were common and a north/south route through the Cathedral transepts was used as a general thoroughfare. Paul’s Cross was an important feature of Cathedral life from at least the mid thirteenth-century. It was an outdoor covered pulpit from which proclamations were made and leading prelates expounded, often controversially, on theology and politics. It ceased to be used in the 1630s, and stood in the north churchyard until 1642 whereupon it was sold to a food vendor who turned it into a trattoria.

The reign of the eventually incredibly fat King Henry VIII saw the beginning of the end for many aspects of the religious life of the building as it had become associated with Catholicism. The sacred shrine of Saint Erkenwald (who was more famous as an alliterative poem of the 14th century than a person) was plundered and all the other shrines and images were destroyed. The full suppression of Catholic worship was carried out under Edward VI by the first Protestant Bishop of London, Nicholas Ridley, who was later beheaded by the new administration, Mary I, in 1555 – which just goes to show. Things swung back the other way under the next administration, headed by Elizabeth I, and the cathedral has been a Protestant bastion since 1559.

Then the first English lottery was conducted there in 1569. Unfortunately the winner and the winning prize are lost to history but it has been long suspected, based on the archeological record, that the winner was one Norman Wobblebottom and his prize was an emaciated chicken named Egbert.

Be that as it may, the presence of lottery games can be traced all the way back to as early as between 205 and 187 B.C. during the Han Dynasty in China. It is believed that the game Keno, a lottery-like game that is still currently played in Las Vegas by people who don’t know any better, originated at the time. Even back then, lotteries were being used to finance government projects, including such grand projects as the Great Wall of China. (And we all know how successful that was at keeping out the Mongol hordes.)

References to lotteries and "drawing lots" have been found in many ancient texts from numerous civilizations from Ancient China to Ancient Greece in Homer's The Iliad . The first known European lottery occurred during the Roman Empire. At first these lotteries were usually done simply as amusement at dinner parties for the nobility, because they didn’t have television or iPhones back then, however during the reign of Augustus Caesar there are records of the sale of tickets for a lottery in order to raise funds for repairs to the City of Rome.

It wasn't until 1434 that the earliest public lottery went on record - in the Dutch town of Sluis. And it wasn't until at least a decade later that the first lotteries with prizes in the form of money began to appear in numerous towns in Flanders (present day Belgium, Holland, and France). These first lotteries with monetary prizes were held to raise money to aid the poor and fund fortifications of the towns. These lotteries were hailed as a less painful form of taxation and were quite popular amongst the people. In fact, the English word lottery is derived from the Dutch word loterij which stems from the Dutch noun lot meaning "fate".

What has this to do with anything related to Colorado Lending Source? Well, nothing much, as usual, but there are some clues in there somewhere if you stop playing Mario Cart on your iPhone and concentrate for a few minutes. I, for one, am much in favor of a less painful form of taxation.

And as Albert Einstein is famously quoted as saying: “The hardest thing in the world to understand is the income tax.”

And aren’t those words that all of us can live by?  I know I do.


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On this day, December 14th 2016...
by Mike-ODonnell on 

the Federal Reserve will be wrapping up their two day monetary policy meeting this afternoon and a long awaited interest rate hike will likely be one of the outcomes, followed by two more planned hikes in 2017 and then three more in 2018 according to knowledge members of the Federal Reserve’s squatty potty “away” team who wish to remain anonymous at this time.

Coincidentally, about a thousand years ago to the day, King Cnut (pronounced “Nut” or “Knut”) was getting ready to be crowned king of all of England -- he was king of only part of England before November 30 in 1016 when the other king, King Edmund, kicked the proverbial iron clad steel water carrying implement in suspicious circumstances, which were the norm back then, as they are now. Cnut went on to be also king of Denmark, Norway and eventually little bits (the good bits) of Sweden. Had the internet been around back in those days, ye royal citizens would likely have been complaining about a one-world king and how bad it was that this nut called Cnut had so much power and could tell so many residents of the so-called civilized world on which side of the bread they could put their orange marmalade.

In a prescient twist of fate (is anything really random?), Cnut’s hairy dad Sweyn was the son and heir to King Bluetooth after whom, of course, all those gadgets that talk through the airwaves was named. A coincidence? I think nut.

Of course, neither the place nor the date of Cnut’s birth are known, nor is very much known about his mom other than the fact that he probably had one, but, when his grandfather Harald Bluetooth stopped working, his father, Sweyn Forkbeard (there is a story there too but we don’t have time to go into today), assumed the throne and the acorn Cnut was thought to be around two or so at the time.

Little is known about Cnut's early years until he cropped up in dispatches from the front when a large Scandinavian force, under the command of his hairy day, landed in England during the summer (which traditionally lasts about two weeks over there) in 1013. He probably lived the life of most typical Vikings – looting here, pillaging there. Spam for breakfast. Reciting sad and sorrowful sagas late into the night and, of course, drinking heady brandy from the skulls of enemies.

The 1013 raids by the Vikings quickly led to the fall of the country after King Aethelred the Unready did a Douglas MacArthur and scarpered across the English channel to safety disguised as a French mime. This left Sweyn in possession of England and thus the de facto king. When he coincidentally up and died a few months later, on February 3 1014, Cnut was immediately elected king of England by the Vikings to the dismay of the English nobs so they revolted and recalled Aethelred from his holiday in Normandy. This time, Aethelred the Unready was more ready / less unready and he managed to whip together an army that was large enough to chase Cnut and the Vikings out of the country and back to Denmark.

In the summer of 1015, Cnut, never one to quit, put a new fleet together and set sail for England once more with an army of perhaps 10,000 in 200 long ships this time. (That is a lot of unwashed Vikings in each ship – phew!) His objective was to plant his fleet firmly back on the soil of yon England. The invasion force fought a bitter series of skirmishes with the English troops for the next fourteen months and practically all of the battles were fought against the eldest son of Aethelred, Edmund Ironside, who had a very big rear end and later went on to inspire a popular television series staring Raymond Burr that aired in the US from 1967 through 1975.

The only description we have of Cnut is from a 13th century saga (the Norse had a thing about noses, btw) where he was described as being “exceptionally tall and strong, and the handsomest of men, all except for his nose, that was thin, high-set, and rather hooked. He had a fair complexion none-the-less, and a fine, thick head of hair. His eyes were better than those of other men, both the handsomer and the keener of their sight.”

After London fell to the Vikings in 1016, Cnut was left as king of all of England, which he ruled sagely, wisely and peacefully for nineteen years until he died at Shaftesbury in Dorset, and was buried in Old Minster, the future site of Winchester Cathedral.

During the English Civil War in the 17th century, plundering Roundhead soldiers (nuts themselves) scattered the bones of Cnut all over the floor and into the open chests of various other long dead rulers. After the restoration of the monarchy, the bones were collected and replaced randomly in burial chests so who knows where the old Cnut ended up.

After he was long gone, the spin merchants from later monarchies invented a myth about King Cnut that he was truly a bit of a nut who liked to stand on the beach commanding the waves – at least this is the story that I read in my fifth grade primer when I was going up. There doesn't seem to be any historical basis for this claim but it makes a good story for gullible fifth grade students.

What has this to do with anything related to Colorado Lending Source? Well, nothing much but there are some clues in there somewhere if you put your iPhone down and concentrate for a few minutes.

And as Raymond Burr is famously quoted as saying: “Never gaining a good reputation is not nearly as painful as losing one.”

And aren’t those words that all of us can live by?  I know I do.


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Earth-Friendly Shipping Supplies
by Colorado Lending Source on 

Partners in business and in marriage, Kyle Wente and Saloni Doshi, are two peas in a pod when it comes to their education and environmental values. Both Kyle and Saloni graduated from the Princeton University and earned an MBA from Kellogg School of Management at Northwestern University. With incredible business management experience, today they share the ownership of their business, EcoEnclose, which manufactures and distributes sustainable, earth-friendly shipping supplies in addition to offering small batch custom packaging and printing.    

Many have claimed that shipping supplies could never be 100% recyclable; however, EcoEnclose breaks the mold. Since 2012, their mission has been to improve environmental impact of the ever-growing e-commerce shipping industry. Kyle and Saloni purchased the business in 2015 and are incredibly passionate about reducing environmental waste, creating a cleaner planet and filling a void in the market where many businesses are afraid to fully commit. With a strong team focused on making it easy for customers to purchase earth friendly supplies, they have experienced 45% annual growth and serve over 5,000 customers nation-wide.

In 2016, Kyle and Saloni moved the business to Louisville, Colorado and purchased a manufacturing building that will give EcoEnclose space to grow. This was made possible with the assistance of John Stedeford of AmFirst Bank in partnership Colorado Lending Source to provide a Small Business Administration 504 loan. Without this program, AmFirst Bank would not have been able to provide financing, which would have not only been a disappointment for the business, but for the environment too!

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On this day, September 14, 1914...
by Mike-ODonnell on 

HMAS AE1, the first submarine commissioned into the Australian Navy and one of only two submarines Australia operated, disappeared in the seas off the coast of Papua New Guinea and despite numerous searches then and more recently, no wreckage has ever been found.

The submarine was an E-class vessel, hence it’s imaginative name, which was basically (for the two purists in the audience) a British D-class submarine enlarged to accommodate an additional pair of broadside torpedo tubes. The AE1 was 181 feet long overall, had a beam of 22 feet 6 inches and a draught of 12 feet 6 inches. She displaced 750 long tons on the surface and 810 long tons submerged.

These early submarines could typically only dive to 100 feet but with the addition of watertight bulkheads (which this one had) the actual diving depth could be increased to 200 feet. There were 34 officers and crew on board all of whom disappeared without trace, along with their vessel, and represented Australia’s first (of many) major losses in World War One.

With a maximum speed of 15 knots (17 mph) while surfaced and 10 knots (12 mph) when submerged, there was enough fuel on board to travel 3,000 nautical miles (3,500 mi) at 10 knots (19 km/h; 12 mph) while on the surface. There were four 18-inch torpedo tubes, one each in the bow and stern, plus two on the broadside, one firing to port and the other to starboard. The boat carried one spare torpedo for each tube. No guns were fitted. It was built at Barrow-in-Furness, England, on 14 November 1911 and arrived in Sydney from England (along with AE2) on 24 May 1914 – a heck of a voyage! Seven month later, it disappeared, shortly after helping to “capture” the German bit of Papua New Guinea.

Coincidentally, on Sunday December 17, 1967, the 18th Prime Minister of Australia, Harold Holt, disappeared while swimming in rough surf near Portsea, on the eastern side of Port Phillip Bay below Melbourne, Australia. After he disappeared from view (he was accompanied by a neighbor and others on the beach who watched him swim out into the surf), one of the largest search operations in Australia’s history was launched involving police, Navy divers, Air Force helicopters, Army personnel, and, volunteers from nearby communities. But just as with the AE1, no trace was ever found of the Prime Minster despite the fact that he was a strong swimmer and experienced diver.

One theory which quite caught the public imagination, when it was proposed in 1983, suggested that Prime Minister Holt was secretly a spy for the People’s Republic of China and that a Chinese submarine had picked him up. No trace was ever found of this mysterious Chinese submarine either. Another theory was that the AE1 had collected the Prime Minister.

Nonetheless it wasn’t until September 2005 that the Coroner found that Harold Holt had drowned in “accidental circumstances”. Hmmm.

What has this to do with anything related to Colorado Lending Source? Well, nothing much but there is probably a link in there somewhere. And as Harold Holt once said (and he didn’t really say that much that was memorable): Australians were unique due to our corals, our apples, our gum trees and our kangaroos.”

And aren’t those words that all three of us can live by?

I know I do.


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Ice House Video
by Colorado Lending Source on 

Check out more about Ice House HERE! Next session begins September 14th!

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On this day, August 17th, 1871...
by Mike-ODonnell on 

The Chicago Tribune (issue #12) reported on all sorts of interesting stories from both home and abroad, including, amongst others, the Wharton Poisoning Case whereupon a grand jury had indicted Mrs. E.G. Wharton (a landlady) for the murder of General William Scott Ketchum (her tenant) – General Ketchum was an army officer during the civil war, and because he was stationed in the west, he was primarily observing rather than fighting. He was moved to the east before the war ended where he became mostly concerned with inspecting things, recruiting things, and, auditing other things. His landlady allegedly attempted to do him in after he retired.

There is indeed much speculation associated with how he met his end although the landlady ended up being found not guilty, eventually, in a trial that rivaled the OJ Simpson case of later times.

One of the other stories on page two of the Chicago Tribune was interesting only because of the tone of the article. It described the wild state of excitement that the city of Raleigh had been thrown into the day before by the arrest and parading by two Assistant U.S. Marshals of about a dozen “disguised” white men in uniforms described by a reporter as:

“The disguise, which was of the most frightful and ludicrous character, was made of black glazed cambric, face-covered with the same, with holes for the mouth and eyes, touched off with a white substance. The hat, made of like material, is cone shaped and about thirty-six inches in height.”

The article went on to expand on an undercover sting operation executed by Deputy Marshal Hester and Deputy Keith disguised as tobacco peddlers, were able to infiltrate a meeting of “genuine Kuklux” and agreed to participate in a raid that evening to carry out a sentence passed on both a white man (to be hung until he was dead) and African-American (who was to be whipped). Once the Klansmen had garbed themselves in their uniforms, and all arrived in a wagon at a pre-arranged meeting place, the two Marshalls arrested them and took them off to the jail in Raleigh. 

One of the men arrested apparently agreed to turn State evidence and according to a Raleigh reporter: “His developments will reveal a state of affairs that will startle the public, and implicate parties little suspected.”

The Chicago Tribune went on to say that: “Marshal Hester deserves special credit for his earnest and successful efforts to arrest and bring the members of this diabolical organization to justice. It seems that the Ku-Klux Klan is still in existence in the State, and although several hundred have been detected and arrested, it will require considerable vigilance on the part of the officers of the law to entirely crush this diabolical organization.”

And here, one hundred and forty five years later, we still have vestiges of this group inhabiting the shadows of this nation? Hmmmm.

What has this to do with anything related to Colorado Lending Source? Well, nothing very much at all but in my usual wandering and roundabout way, I was simply (and I am quite simple) attempting to illustrate that people don’t really change very much and there are very close parallels between what has happened in the past and what is happening in the present.


And in the forward-looking words of Butch Cassidy: “I have vision, and the rest of the world wears bifocals.”

And aren’t those words that all three of us can live by?

I know I do.


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A Glimpse into Guiry's
by Colorado Lending Source on 

Colorado Lending Source is proud to support businesses like Guiry's!

Walking into Guiry's Color Source, the smell of paint lingers in the air along with the warmth of their employees. As a family owned and operated business since 1899, there is a deep sense of tradition, pride, and value that dominates the store. Take a look at our success story slide show to it experience for yourself!


"The biggest thing about working at Guiry's is that it's entirely family owned and run, which makes a difference rather than working for a corporation. I can't say how much I appreciate being happy at work." ~ Jason Reno, Store Manager

Partner Lender: Jeff Benton, Bank of the West

Loan Program: Small Business Administration 504

Use of Proceeds: Purchase of commercial real estate for a warehouse distribution, retail, and design center

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Eddyline Brewing
by Colorado Lending Source on 

An eddy line is created when a river’s main current flows in the opposite direction of a treacherous, swirling whirlpool. Maneuvering across this line can be tricky and it can take years to learn which direction is best to go. Starting a small business can be a similar experience; going against the main current, deciphering which direction to take a chance on, and hoping to end up on the right side of the line.


Mic and Molley Heynekamp’s journey involved crossing many “small business eddy lines” to get where they are today: the owners of an award winning, international small business, Eddyline Brewing of Buena Vista, Colorado.


In 1998 the Heynekamp’s turned their home brewing hobby into a business when they started Socorro Springs Brewing Co. in a New Mexico town baring the same name. Socorro Springs Brewing was an instant success and in 2004 the business expanded to a new 6,000 square foot space, complete with 10-barrel brew house. As the business continued to grow, Mic and Molley dreamed of moving to the mountains, where they could hike, play on the rivers, and enjoy more family time, so they began looking for opportunities in Buena Vista.


In 2009 Eddyline Brewing opened on the banks of the Arkansas River. The brewpub featured wood-fired pizzas and had a three-barrel brewing capacity. By their second summer, Eddyline was brewing 400 barrels and the demand for their craft beer was only increasing. In 2011 Eddyline expanded operations by purchasing a building in central Buena Vista that was large enough to house the brewing for both their Colorado and New Mexico breweries, and a new canning line, but even that wasn’t enough for this rapidly growing business.


In 2014 the Heynekamp’s acquired a Small Business Administration 504 loan from Colorado Lending Source and Collegiate Peaks Bank to expand their brewing facility.  8,100 square feet were added to the building to house new brewing equipment, additional canning lines, a beer garden, and an office and storage area.  


The Heynekamp’s attribute their success to the support from local Buena Vista businesses and community members, and to show their appreciation they sponsor a plethora of events for the small town and surrounding area. During the summer Eddyline hosts weekly events including Jam Sessions featuring local musicians, yoga in the beer garden, and the Eddyline Trail Running Series, which of course comes with a free brew at the finish line.

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On this day, July 13...
by Mike-ODonnell on 

Jean-Paul Marat was assassinated in 1793 while reclining in a medicinal bath under the auspices of the French Revolution during the formative years of the “Reign of Terror”, forever granting him immortality as an exhibit in Madame Tussauds London.

Like many who are celebrated not be what they did but more by how they went, Marat became most remembered for his outspoken journalism and uncompromising stance on how the French Revolution should play out and how even the poorest members of society should have access to basic human rights. He was 50 when he passed in the bath at the hand of Charlotte Corday, a member of the Girondins political party, a party that had been decimated greatly during the September Massacres of 1792 due in no large part to the vitriol contained in Marat’s newspaper, The Friend of the People.

Jean-Paul Marat was born in what is now part of Switzerland. At the age of sixteen, he left home in search of adventure and stayed with a wealthy family (slave merchants) in Bordeaux, France, for a few years before moving on to Paris to study medicine for a few more years without gaining any formal qualifications. He moved to London in 1765 and set himself up shop as a doctor and began to mix with Italian artists and architects in the coffee houses around Soho. (Warning, warning, Danger Will Robinson!)

He was highly ambitious but without patronage or qualifications so he set about doing the best he could to insert himself into the intellectual scene with works on philosophy ("A philosophical Essay on Man", published 1773) and another on political theory ("Chains of Slavery", published 1774). His travels took him back to Paris in 1776 where he became both the bodyguard and physician to the brother of the King of France. In 1786 he resigned his court position to devote his energies to scientific research and published a fascinating paper on the effect of light on soap bubbles.

On the eve of the French Revolution, he put aside his white coat and took up his pen and entered politics. In 1789 he started his own newspaper and began attacking the most influential and powerful groups in Paris which required him, at one stage, to flee to Britain for a period of time and, otherwise, to frequently take shelter in the sewers of Paris in an effort to hide from those who sought to harm him. It is speculated that it was these sewer excursions that caused Marat to contract a debilitating skin condition that ultimately required him to spend most of his day reclining in medicinal baths, from which he did most of this business.

And so Marat was in his bathtub on 13 July 1793 when a young woman arrived claiming to have vital information on the activities of escaped Girondins who had fled to Normandy. Despite Marat’s wife Simonne's protests (along the lines of the wife of Julius Caesar on a certain March 15), Marat asked her to enter and gave her an audience by his bath, over which a board had been laid to serve as a writing desk. Their interview lasted around fifteen minutes whereupon the woman, Charlotte Corday, rose from her chair, drew out a five-inch kitchen knife from her corset, and brought it down hard into Marat’s chest. Slumping backwards, Marat cried out his last words to his soon to be widow, "Aidez-moi, ma chère amie!" ("Help me, my dear friend!"), and died.

His death was claimed by the Jacobins as that of a martyr who set about quickly immortalizing him, even making him a quasi-saint. Marat’s death also allowed the Jacobins to brand their adversaries, both royalists and Girondins, as traitors and execute thousands upon thousands of them. “Never waste a good crisis.”

What has this to do with anything related to Colorado Lending Source? Well, nothing at all. Although just as Marat was an amateur scientist playing with soap bubbles in the bath, whomever it is that writes this blog is an amateur historian and “Those who do not remember the past are condemned to repeat it.” Just saying.

Actually, these words are attributed to Jorge Augustin Nicolas Ruiz de Santayana y Borras who was a philosopher, essayist, poet, novelist, and, lover of long names. He also said: “A child educated at school is an uneducated child.” Just saying.

And aren’t those words that all three of us can live by?

I know I do.


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