Rudyard Kipling, in his beloved poem “If,” speaks to the virtues that make a boy into a man–virtues (without regard to gender) that seem awfully relevant to a world in which financial markets are in meltdown mode, and credit markets are more frozen than the players in this weekend’s NFC Championship Game. The poem begins with the virtue that seems most relevant of all: “If you can keep your head when all about you are losing theirs…”