“in order to truly experience happiness, you have to be prepared to live without it. In other words, you can be happy and joyful. And you can be unhappy, and joyful…but you will never be unjoyfyl. Joy comes from within. No one else can give it to you.” John Hope Bryant, speaking at the Happiness Is….. session at the World Economic Forum, Davos, Switzerland

Measuring America’s Financial Soul: What the HOPE Community Credit Score Index Reveals About Inequality, Life, and the 700-Score Threshold
How One Nonprofit Mapped Every Zip Code in America and Discovered That Credit Scores Predict Life Expectancy, Crime Rates, and
