From "The 7 habits of highly effective people" - miniature edition, by Stephen R. Covey, I would like to share/quote this exformative information:
"Knowledge is the theoretical paradigm, the what to do and the why.
Skill is the how to do. And desire is the motivation, the want to do. In order to make something a habit in our lives, we have to have all three."
How to Persuade the Young and the Healthy to Sign Up for Health Insurance - The repeal of the individual mandate makes it more urgent.