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"Seventy-two precious arts are held in a brocade bag, they're kept just like a great treasure. Eighteen turn out the essence in the famous treatises on pugilistic arts. Eighteen other arts describe in more detail training methods if you use special tools and training equipment. Wonderful ways of adopting the flexibility in the breath-chi, exercises in obtaining hardness and lightness, clenching methods are written with all the blood of monks in magazines that are kept being a treasure in the brocade bag. One can seldom meet people who genuinely wish to do exercises with zeal: to become a real hero, you have to often feel bitter taste of hard labour. " /Secret Shaolin Treatises about the Pugilistic Art/ 9. Their emotional appeal Human-life approach and the needs approach include the two main methods used to indicate the total amount from the insurance someone needs. Human-life approach is founded on the individual's salary and through discount rate, the existing valuation on life can be identify as the needs approach is based on every unusual and reoccurring expenses. This type of insurance is design to guard you and also enable you to pay a prearranged amount.