The reason most people can't produce practical results is because they wont bother studying the underlying law and principles of say banking law, commercial law, etc. Lack of practical knowledge lack of practical results. They think its all secret when much of it is found in law books that are freely available in most any major US city even free online via books.google.com. Sure sure, they can stuff an envelop, stamp something, sign a form provided by someone else but beyond that.... I'm not sure if its laziness or what. I recall how it seemed for a decade like you and I were the only ones that could actually find a library and a scanner.
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