This document discusses developing a winning personality and approach to life. It defines personality development as an integrated organization of physical, emotional, intellectual, social, psychological and spiritual characteristics that is an ongoing process of developing skills, attitudes and knowledge. It then outlines 24 characteristics or "carats" that comprise a winning personality, such as being yourself, having a positive attitude, overcoming guilt and worry, having clear goals, and continuously improving yourself. The document encourages developing an action plan and notes that developing a winning personality requires conscious effort rather than chance.