272 pages, Paperback £1.30, Hardcover £18.43 (Amazon) This fascinating book is a study of Ameri- can millionaires and their habits with a number of important points for all people trying to accumulate personal wealth. Early in the book, the authors make a distinction between PAWs and UAWs, being Prodigious Accumulators of Wealth and Under Accumulators of Wealth. Note these terms; they are used throughout. An early point made is that most millionaires are first-generation rich. Future generations are heavily disadvantaged by gifts of ...