A well known speaker started off his seminar by holding up a $20 bill.  In the room of 200, he asked "What is this piece of paper and is it worth anything?"  "It is a $20 bill, which can be cashed  in international & national markets for it's  quoted value?" replied one of the many participants who raised their hands.

The speaker proceeded to crumple up the $20 bill  using both his hands until it  became a bundle of wrinkled paper.  He then unfolded it again and making an unsuccessful attempt to keep it  straight he asked, "Would you still be able to negotiate it for it's  quoted value?"

" Yes !!" was the echoing reply from the participants.

"Well," he said, "Looks like I haven't done enough!   What if I do this?"  And he dropped it on the ground and started to grind it into the floor with his shoe. He picked it up, which was now all crumpled, dirty, defaced  and not easy to recognize from a distance.  "Now will some one like to trade it for its quoted value?" Many hands went  in the air.

"I think that piece of currency is still holding its quoted value" replied  a participant  in an  unsure voice.  "This bill can still fetch goods worth 20 Dollars"  said the other participants. Every one agreed.

"My friends, there is a very valuable lesson in this exercise that we are just through with. It may have appeared to some of you, that I was able to  deshape, deface, mutilate & alter the $20 bill during the process as the effects were quite visible".

"However, No matter what I did to this piece of paper, you still upheld its negotiability because you were sure in your mind that my actions did  not actually decrease its value. It was still a currency note worth $20".

"Many times in our lives, we feel as though  we are dropped, crumpled, and  ground into the dirt by the decisions we make and/or the circumstances  that come our way.  We feel as though we are worthless.  It may also appear  to onlookers as if it has really happened to a certain extent. But no matter  what has happened or what will happen, please remember you never lose your  "Value".