President Monson shares a story where, as a young secretary in his Deacon's quorum, he was asked in ward conference to share his testimony.  It taught him to follow Paul's admonition to "be ready always to give an answer to every man that asketh you a reason of the hope that is in you."  He encourages us to prepare for this by following three suggestions that, when observed and followed, will lead to safety.  First, study diligently.  Daily reading and application of the scriptures will have the greatest impact on our lives.  Second, pray fervently remembering that with God all things are possible.  Third, live righteously.  Regardless of our intelligence or talents, God will sustain those who serve in righteousness.  As we do these three things, the Lord will enable us to bear the burdens placed upon us.