Chapter 3: On the Job: Cellular Specialties. Liver cells look almost nothing like nerve cells. Muscle cells bear little physical resemblance to white blood cells. Yet every cell (with just a few exceptions) is encased in a membrane, contains a nucleus full of genes, and has ribosomes, mitochondria, ER, and Golgi.
Altruist follows the Prudent Investor Rule. The Prudent Investor Rule is a legal doctrine which provides guidance to investment managers regarding the standards for managing an investment portfolio in a legally satisfactory manner. Basically, prudent investing amounts to a process which one follows.
The most authoritative useful description of the current Prudent Investor Rule is probably that of the influential American Law Institute (in Restatement of the Law Third, Trusts: Prudent Investor Rule, 1992):  227.