On a 90-degree Thursday afternoon I decide that instead of jumping in my backyard pool, I will drive my car up into the hills of Saratoga to Villa Montalvo. The area offers miles of hiking trails, three performance venues, exhibitions and gardens for vistors’ enjoyment. Driving up, I find the road lined with fancy houses and trees providing abundant shade.

In one's wallet, there are always a few key things to have. Along with the normal charge cards, cash, some kind of identification, a few people may have some useful business cards, phone numbers, and membership cards. I have all of these things in my wallet too. However, I have one more item that is of great importance to me: my trusty, reliable "Will It Lead to Trouble?"card. In times of need, it is supposed to help me make the right choice by asking me questions that can help me decide what is smart.

The Card