Did you ever climb trees when you were young? Do you remember the effort of pulling yourself up, the way your heart pounded as you ascended, the thrill you felt when you looked away from the branches in your hands and saw the world from a whole new angle? Then you should be grateful you are not a child today, because the full forces of risk aversion will be ranged against you — assuming your parents are prepared to break ranks and give you the freedom to try in the first place. If r…
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