The Rambam explains that the essence of Teshuva is וידוי, or confession. On Yom Kippur, there are ten Viduys in the course of the day, beginning with Mincha before the fast begins. It is always difficult for a person to have to swallow his pride and say, "I was wrong." It certainly takes a degree of humility to admit one's wrongdoing. If we carefully examine the actual וידוי of אשמנו בגדנו and the numerous ועל חטא שחטאנו that we say on Yom Kippur, the overwhelming majority of those sins have to do with man and man. Many are related to dishonest business dealings and many deal with misleading people and treating them disrespectfully. I strongly recommend that each of us take with us a good translation and explanation of the וידוי. It will help immensely in getting us in the mood of sincere remorse and Teshuva. גמר חתימה טובה.