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Here's the first rule: "Everyone is afraid." You're afraid, I'm afraid, everyone you meet is afraid in some way, often in many ways. As Mark Twain said, "Courage is not absence of fear; it is control of fear, mastery of fear." The brave person is the person who acts in spite of his or her fear, who faces the fear, feels the fear and moves forward regardless.

Fear-It is well known that losing your job ranks as one of life's greatest stressors. However, it turns out that the constant fear of losing your job can actually damage your mental and physical health even more.

Because of the unrelenting nature of the stress -- a constant worry rather than a one-time event like being fired -- chronic job insecurity is linked more strongly to depression and health problems than actual job loss.

The constant stress causes a variety of problems generally starting with sleeplessness, which is itself linked to yet more health problems. Considering the increasing trend toward companies downsizing and merging, this could have worrisome health implications for most workers.

Here's the second rule: "Fears diminish and lose their power over you as you confront them and move toward them; conversely, every time you back away from a fear situation, the fear grows and becomes more powerful."

The only way to develop courage is to consciously and continuously make a habit of confronting your fear of treating every fear-inducing situation as a challenge and as an opportunity to become stronger, more resolute.

Here's the third rule:

"Do the thing you fear and the death of fear is certain."

Psychologists call this the process of "systematic desensitization," doing it over and over until it holds no fear for you at all.

Many businesspeople who have been so afraid of public speaking that they couldn't lead a silent prayer in a phone booth have used this process of eliminating fear.

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