 Better to have it and not need it than to really, really need it and wish you had it, but you don't. Okay? CDMstore.com. Click Partners. Scroll down to Watchtower and get it going. Okay? Now, here's the man himself. He's come on the program many times. I always enjoy talking to him. He is John Malloy. He is a native New Yorker. Grew up in lower Manhattan. He signed Vietnam Combat Veteran, History Scholar, Vice President of Fiduciary Trust International.