2013년 11월 25일 월요일

오후 12:37

By Joe Halladay

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About 'debt lab'|...the Enemy One right way. Efficiency experts and streamline design. Cold Spring Harbor Lab. Henry Ford, the Jews, and Adolph Hitler. Nazism and The Final Solution to be ...







About 'debt lab'|...the Enemy One right way. Efficiency experts and streamline design. Cold Spring Harbor Lab. Henry Ford, the Jews, and Adolph Hitler. Nazism and The Final Solution to be ...








               Ｔｈｉｓ               ｉｓ               ｔｈｅ               ｓｔｏｒｙ               ｏｆ               ａ               ｓｙｓｔｅｍ               ｆａｉｌｉｎｇ,               ｂｕｔ               ｉｔ               ｉｓ               ａｌｓｏ               ｔｈｅ               ｓｔｏｒｙ               ｏｆ               ａ               ｍａｎ               ｆａｉｌｉｎｇ               ｔｏ               ｆｕｌｆｉｌｌ               ｈｉｓ               ｍｏｒａｌ               ｏｂｌｉｇａｔｉｏｎ,               ａ               ｍａｎ               ｗｈｏ               ｌｅｔ               ｔｈｅ               ｓｙｓｔｅｍ               ｃｈｅｗ               ｕｐ               ｓｔｕｄｅｎｔｓ               ａｎｄ               ｓｐｉｔ               ｔｈｅｍ               ｏｕｔ               $30,000               ｉｎ               ｄｅｂｔ,               ｗｉｔｈ               ｌｉｔｔｌｅ               ｈｏｐｅ               ｏｆ               ｄｅｃｅｎｔ               ｅｍｐｌｏｙｍｅｎｔ               ｏｒ               ｈａｖｉｎｇ               ｔｒａｎｓｃｒｉｐｔｓ               ａｃｃｅｐｔｅｄ               ａｎｙｗｈｅｒｅ.

Ｉｔ               ｉｓ               ｔｈｅ               ｓｔｏｒｙ               ｏｆ               ａｎ               ｅｄｕｃａｔｉｏｎａｌ               ｅｍｐｉｒｅ               ｂｕｉｌｔ               ｏｆｆ               ｓｔｕｄｅｎｔｓ               ｍｏｒｔｇａｇｉｎｇ               ｔｈｅｉｒ               ｆｕｔｕｒｅ.
               Ｏｎ               ａ               ｍｉｎｏｒ               ｓｃａｌｅ,               ｔｈｉｓ               ｉｓ               ｍｙ               ｓｔｏｒｙ               ａｎｄ               ｈｏｗ               Ｉ               ａｃｑｕｉｅｓｃｅｄ               ｔｏ               ａ               ｓｙｓｔｅｍ               ａｎｄ               ｆａｉｌｅｄ               ｔｏ               ｄｏ               ｔｈｅ               ｒｉｇｈｔ               ｔｈｉｎｇ.
               Ｏｎ               ａ               ｂｒｏａｄｅｒ               ｌｅｖｅｌ,               ｌｏｏｋｉｎｇ               ｂａｃｋ,               Ｉ               ｃａｎ               ｕｎｄｅｒｓｔａｎｄ               ｈｏｗ               ＥＮＲＯＮｓ               ｈａｐｐｅｎ,               ｈｏｗ               ｐｅｏｐｌｅ               ｄｏ               ｎｏｔ               ｓｔｅｐ               ｆｏｒｗａｒｄ               ｗｈｅｎ               ｔｈｅｙ               ｓｈｏｕｌｄ,               ｗｈｅｎ               ｔｈｅｙ               ｍｕｓｔ.
               Ｉｎ               ｍｙ               ｃａｓｅ,               ｖｅｒｙ               ｌｉｔｔｌｅ               ｗａｓ               ａｔ               ｓｔａｋｅ,               ａ               ｆｅｗ               ｈｕｎｄｒｅｄ               ａ               ｗｅｅｋ,               ｂａｄ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ               ａｎｄ               ａ               ｗｈｉｆｆ               ｏｆ               ｒｅｓｐｅｃｔ.

Ｗｈａｔ               ｗｏｕｌｄ               Ｉ               ｈａｖｅ               ｄｏｎｅ,               ｉｆ               ｍｉｌｌｉｏｎｓ               ｏｆ               ｄｏｌｌａｒｓ               ｗｅｒｅ               ａｔ               ｓｔａｋｅ,               ｉｆ               Ｉ               ｗｅｒｅ               ｔｈｅ               ＣＥＯ               ｏｆ               ａ               ｍａｊｏｒ               ｃｏｒｐｏｒａｔｉｏｎ               ?
               Ｉｆ               Ｉ               ｈａｄ               ｌｉｔｔｌｅ               ｔｏ               ｌｏｓｅ,               ｔｈｅ               ｓｔｕｄｅｎｔｓ               ｈａｄ               ｅｖｅｒｙｔｈｉｎｇ               ｔｏ               ｌｏｓｅ.

Ｉ               ｃｏｕｌｄ               ｈａｖｅ               ｓｔｅｐｐｅｄ               ｆｏｒｗａｒｄ               ｔｏ               ｓｔｏｐ               ｙｅａｒｓ               ｏｆ               ｐａｉｎ               ａｎｄ               ｆｉｎａｎｃｉａｌ               ｈａｒｄｓｈｉｐ               ｆｏｒ               ｔｈｅ               ｓｔｕｄｅｎｔｓ.
               Ｂｕｔ               Ｉ               ｄｉｄｎ'ｔ.
               Ｐｅｒｈａｐｓ               ｗｈａｔ               ｋｅｅｐｓ               ｍｅ               ｓｔａｒｉｎｇ               ａｔ               ｔｈｅ               ｗａｌｌ               ａｔ               3               ｉｎ               ｔｈｅ               ｍｏｒｎｉｎｇ,               ｉｓ               ｔｈｅ               ｑｕｅｓｔｉｏｎ               ｔｈａｔ               ｂｅｇｓ               ｆｏｒ               ａｎ               ａｎｓｗｅｒ               -               ｗｈａｔ               ｄｏｅｓ               ｉｔ               ｔａｋｅ               ｆｏｒ               ａ               ｇｏｏｄ               ｍａｎ               ｔｏ               ｓｔｅｐ               ｆｏｒｗａｒｄ               ａｎｄ               ｄｏ               ｔｈｅ               ｒｉｇｈｔ               ｔｈｉｎｇ?

Ｉｎ               ｔｏｄａｙ'ｓ               ｓｏｃｉｅｔｙ,               ｉｓ               ｉｔ               ｔｏｏ               ｅａｓｙ               ｆｏｒ               ａｎｙ               ｏｆ               ｕｓ               ｔｏ               ｓｅｌｌ               ｏｕｔ               ｆｏｒ               ａ               ｈｉｎｔ               ｏｆ               ｓｅｃｕｒｉｔｙ               ?
               Ａｎｄ               ｏｎ               ａｎｏｔｈｅｒ               ｌｅｖｅｌ,               ｗｈａｔ               Ｉ               ａｍ               ａｂｏｕｔ               ｔｏ               ｒｅｌａｔｅ,               ｍａｋｅｓ               ｙｏｕ               ｗｏｒｒｙ               ａｂｏｕｔ               ｔｈｅ               ｐｒｏｌｉｆｅｒａｔｉｏｎ               ｏｆ               "ｆｏｒ               ｐｒｏｆｉｔ"               ｅｄｕｃａｔｉｏｎａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ.

Ｉｔ               ｍａｋｅｓ               ｙｏｕ               ｗｏｒｒｙ               ａｂｏｕｔ               ｃｏｌｌｅｇｅｓ               ｔｈａｔ               ｅｘｉｓｔ               ｔｏ               "ｍａｋｅ               ａ               ｂｕｃｋ."
               Ｂｅｃａｕｓｅ               ｗｈｅｎ               ｙｏｕ               ｅｘｉｓｔ               ｔｏ               ｔｕｒｎ               ａ               ｐｒｏｆｉｔ,               ｄｏｅｓ               ｔｈｅ               ｓｔｕｄｅｎｔ               ｂｅｃｏｍｅ               ｊｕｓｔ               ａ               ｃｕｓｔｏｍｅｒ,               ｄｏｅｓ               ｅｄｕｃａｔｉｏｎ               ｂｅｃｏｍｅ               ｊｕｓｔ               ａ               ｃｏｍｍｏｄｉｔｙ,               ｉｓ               ｔｈｅ               ｓｔｕｄｅｎｔ               ｓｈｏｖｅｄ               ａｓｉｄｅ               ｆｏｒ               ｐｒｏｆｉｔ               ｍａｒｇｉｎｓ               ａｎｄ               ｔｈｅ               ｂｏｔｔｏｍ               ｌｉｎｅ?

Ｉ               ｓｕｓｐｅｃｔ               ｔｈｅ               ａｎｓｗｅｒ               ｉｓ               ｙｅｓ.
               Ｉ               ｈａｖｅ               ｃｈａｔｔｅｄ               ｗｉｔｈ               ｔｈｅ               ｏｗｎｅｒｓ               ｏｆ               "ｆｏｒ               ｐｒｏｆｉｔ""               ｃｏｌｌｅｇｅｓ               ａｎｄ               ｒａｒｅｌｙ               ｄｏ               ｔｈｅｙ               ｄｉｓｃｕｓｓ               ｔｈｅ               ｑｕａｌｉｔｙ               ｏｆ               ｅｄｕｃａｔｉｏｎ.

Ｒａｔｈｅｒ               ｔｈｅｙ               ａｒｅ               ｆｉｘａｔｅｄ               ｏｎ               ｅｎｒｏｌｌｍｅｎｔ               ｎｕｍｂｅｒｓ               ａｎｄ               ｐｒｏｆｉｔ               ｍａｒｇｉｎｓ.
               Ａｎｄ               ｅｄｕｃａｔｉｏｎ               ｄｏｅｓ               ｓｕｆｆｅｒ.

Ｔｏ               ａｃｈｉｅｖｅ               ｙｏｕｒ               ｆｉｎａｎｃｉａｌ               ｇｏａｌｓ,               ｙｏｕ               ｒｅｄｕｃｅ               ｓａｌａｒｉｅｓ,               ｓｔｕｄｅｎｔ               ｆａｃｉｌｉｔｉｅｓ               ａｎｄ               ｍａｘｉｍｉｚｅ               ｔｈｅ               ｍｏｎｅｙ               ｙｏｕ               ｓｐｅｎｄ               ｏｎ               ｍａｒｋｅｔｉｎｇ,               ｔｅｌｅｖｉｓｉｏｎ               ａｎｄ               ｉｎｔｅｒｎｅｔ               ａｄｓ,               ａｌｌ               ｄｅｓｉｇｎｅｄ               ｔｏ               ｋｅｅｐ               ｓｔｕｄｅｎｔｓ               ｃｏｍｉｎｇ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｔｉｌｌｓ,               ｐａｙｉｎｇ               ｔｕｉｔｉｏｎ,               ｋｅｅｐｉｎｇ               ｔｈｅ               ｑｕａｒｔｅｒｌｙ               ｒｅｔｕｒｎｓ               ｈｉｇｈ               ａｎｄ               ｔｈｅ               ｅｄｕｃａｔｉｏｎ               ｌｅｖｅｌ               ｌｏｗ.
               Ｉｆ               ｐｏｓｓｉｂｌｅ,               ｙｏｕ               ｐｕｓｈ               ａｓ               ｍａｎｙ               ｓｔｕｄｅｎｔｓ               ａｓ               ｙｏｕ               ｃａｎ               ｔｏ               "ｏｎ-ｌｉｎｅ"               ｃｌａｓｓｅｓ               ａｎｄ               ｇｅｔ               ｒｉｄ               ｏｆ               ｂｕｉｌｄｉｎｇ               ａｎｄ               ｍａｉｎｔｅｎａｎｃｅ               ａｎｄ               ｌａｂ               ｅｘｐｅｎｓｅｓ.
               Ｉｎ               ｓｈｏｒｔ,               ｌｏｗ               ｏｖｅｒｈｅａｄ               ｉｓ               ｄｅｓｉｇｎｅｄ               ｎｏｔ               ｔｏ               ｈｅｌｐ               ｓｔｕｄｅｎｔｓ,               ｂｕｔ               ｅｃｏｎｏｍｉｃ               ｐｅｒｆｏｒｍａｎｃｅ.
               "Ｉｆ               ｙｏｕ               ｌｏｏｋ               ａｔ               ｃａｒｅｅｒ               ｃｏｌｌｅｇｅｓ,               ｔｈｅｙ'ｒｅ               ｒｅｎｔｉｎｇ               ｓｐａｃｅ               ｉｎ               ａ               ｓｔｒｉｐ               ｍａｉｌ               ａｎｄ               ｒｕｎｎｉｎｇ               ｂａｒｅ-ｂｏｎｅｓ               ｏｐｅｒａｔｉｏｎｓ,"               ｓａｉｄ               Ｇａｒｙ               Ｍｅｅｒｓ,               ｐｒｏｆｅｓｓｏｒ               ｏｆ               ｃａｒｅｅｒ               ａｎｄ               ｔｅｃｈｎｉｃａｌ               ｅｄｕｃａｔｉｏｎ               ａｔ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｎｅｂｒａｓｋａ-Ｌｉｎｃｏｌｎ.
               Ｂｕｔ               ｅｎｏｕｇｈ               ｏｆ               ｔｈｉｓ               ｐｈｉｌｏｓｏｐｈｉｃａｌ               ｄｒｉｂｂｌｅ,               ｔｈｉｓ               ｗａｌｌｏｗｉｎｇ               ｉｎ               "ｗｏｅ               ｉｓ               ｍｅ".

Ｌｅｔ'ｓ               ｍｏｖｅ               ｏｎｔｏ               ｔｈｅ               ｍａｉｎ               ｆｉｇｈｔ               ｃａｒｄ.
               Ｔｈｅ               ｍａｉｎ               ｅｖｅｎｔ               ｉｓ               ａｂｏｕｔ               ｓｔｕｄｅｎｔｓ               ｇｅｔｔｉｎｇ               ｒｉｐｐｅｄ               ｏｆｆ               ｆｏｒ               $20,000               ｔｏ               $30,000,               ｅａｒｎｉｎｇ               ｃｒｅｄｉｔｓ               ｔｈａｔ               ｔｒａｎｓｆｅｒ               ｎｏｗｈｅｒｅ,               ｐｒｏｇｒａｍ               ｈｅａｄｓ               ｔｈａｔ               ｌｉｅｄ               ｔｏ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｃｏｍｍｉｔｔｅｅｓ,               ｓｔｕｄｅｎｔｓ               ｗａｒｎｅｄ               ｎｏｔ               ｔｏ               ｔａｌｋ               ｔｏ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｃｏｍｍｉｔｔｅｅｓ               ａｎｄ               ｉｎｓｔｒｕｃｔｏｒｓ               (               Ｉ               ａｄｍｉｔ               Ｉ               ｗａｓ               ｏｎｅ)               ｗｈｏ               ｗｅｒｅ               ｔｏｔａｌｌｙ               ｕｎａｃｃｒｅｄｉｔｅｄ               ｔｏ               ｔｅａｃｈ.

Ｉｔ               ｉｓ               ａｌｓｏ               ａｂｏｕｔ               ｂｕｓｉｎｅｓｓｍｅｎ               ｆｉｎａｎｃｉｎｇ               ｅｄｕｃａｔｉｏｎａｌ               ｅｍｐｉｒｅｓ               ｏｆｆ               ｏｆ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ.
               Ｉ               ａｍ               ｈｉｇｈｌｉｇｈｔｉｎｇ               ｍｙ               ｅｘｐｅｒｉｅｎｃｅ               ａｔ               ｔｈｅ               Ｍｉｎｎｅｓｏｔａ               Ｓｃｈｏｏｌ               ｏｆ               Ｂｕｓｉｎｅｓｓ,               ａ               "ｃａｒｅｅｒ               ｃｏｌｌｅｇｅ",               ｂｕｔ               Ｉ               ｓｕｓｐｅｃｔｓ               ｔｈｅ               ｓｉｎｓ               Ｉ               ａｍ               ａｂｏｕｔ               ｔｏ               ｒｅｖｅａｌ,               ｅｘｉｓｔ               ａｔ               ｎｕｍｅｒｏｕｓ               ｏｔｈｅｒ               "ｆｏｒ-ｐｒｏｆｉｔ"               ｉｎｓｔｉｔｕｔｉｏｎｓ.
               Ｆｉｒｓｔ,               ａ               ｔｒｕｅ               ｓｃｅｎａｒｉｏ.

Ａｎｄ               ｉｔ               ｈａｐｐｅｎｓ               ｔｉｍｅ               ａｆｔｅｒ               ｔｉｍｅ               ａｎｄ               ｎｏｔ               ａ               ｄａｍｎ               ｔｈｉｎｇ               ｉｓ               ｂｅｉｎｇ               ｄｏｎｅ               ａｂｏｕｔ               ｉｔ.

Ａ               ｓｔｕｄｅｎｔ               ａｔｔｅｎｄｓ               ｔｈｅ               Ｍｉｎｎｅｓｏｔａ               Ｓｃｈｏｏｌ               ｏｆ               Ｂｕｓｉｎｅｓｓ.

Ｒｅｃｅｉｖｅｓ               ａｎ               ＡＡ               ｉｎ               Ｂｕｓｉｎｅｓｓ               Ａｄｍｉｎｉｓｔｒａｔｉｏｎ.

Ｓｐｅｎｄｓ               $20,000               ｔｏ               $30,000               ｅａｒｎｉｎｇ               ａ               ｔｗｏ               ｙｅａｒ               ｄｅｇｒｅｅ.

Ａｎｄ               ｔｈｅｎ               ｆｉｎｄｓ               ｏｕｔ               ｔｈａｔ               ｈｅ               ｃａｎｎｏｔ               ｔｒａｎｓｆｅｒ               ａｎｙｗｈｅｒｅ.
               "Ｉ               ａｐｐｌｉｅｄ               ｔｏ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍｉｎｎｅｓｏｔａ,"               ｓａｙｓ               Ｒｙａｎ               Ｉｈｒｋｅ,               ａ               ｒｅｃｅｎｔ               ｇｒａｄｕａｔｅ               ｏｆ               ＭＳＢ,               "ａｎｄ               ｔｈｅｙ               ｔｏｌｄ               ｍｅ               ｍｙ               ｄｅｇｒｅｅ               ｗａｓ               ｗｏｒｔｈｌｅｓｓ.

Ｎｏｔ               ｏｎｅ               ｃｒｅｄｉｔ               ｔｒａｎｓｆｅｒｒｅｄ.
               "Ｓｏ,               Ｉ               ａｍ               ｉｎ               ｄｅｂｔ               ａｎｄ               ａｍ               ｂｅｇｉｎｎｉｎｇ               ａｌｌ               ｏｖｅｒ               ａｔ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍｉｎｎｅｓｏｔａ."
               "Ｉ               ｇａｖｅ               ｕｐ               ａｐｐｌｙｉｎｇ               ｔｏ               ｃｏｌｌｅｇｅｓ,               ｎｏ               ｏｎｅ               ｗｉｌｌ               ａｃｃｅｐｔ               ｍｙ               ｔｒａｎｓｃｒｉｐｔｓ,"               ｓａｙｓ               Ｊｏｃｅｌｙｎ               Ｓｃｈｎｅｌｌ,               ａｎｏｔｈｅｒ               ｆｏｒｍｅｒ               ｓｔｕｄｅｎｔ.

"               Ｍｙ               ｍｏｔｈｅｒ               ｉｓ               ｓｏ               ｍａｄ               ｔｈａｔ               ｗｈｅｎ               ａ               ＭＳＢ               ｃｏｍｍｅｒｃｉａｌ               ｃｏｍｅｓ               ｏｎ               ｔｅｌｅｖｉｓｉｏｎ,               ｓｈｅ               ｙｅｌｌｓ               ａｔ               ｔｈｅ               ｔｅｌｅｖｉｓｉｏｎ."
               Ａｎｏｔｈｅｒ               ｓｔｕｄｅｎｔ               ｆｕｍｅｓ,               "Ｃｒｅｄｉｔｓ               ｄｏｎ'ｔ               ｔｒａｎｓｆｅｒ               ａｔ               ａｌｌ.

Ｉ               ｔａｌｋｅｄ               ｔｏ               ｏｎｅ               ｇｉｒｌ               ｗｈｏ               ｗａｓ               ｐｒｏｍｉｓｅｄ               ａ               ｃｏｍｐｕｔｅｒ               ｌａｂ               ｔｈａｔ               ｗａｓ               ｃｒｉｔｉｃａｌ               ｔｏ               ｈｅｒ               ｇｒａｄｕａｔｉｎｇ.

Ｔｈｅｙ               ｎｅｖｅｒ               ｇｏｔ               ｉｔ,               ｎｅｖｅｒ               ｇｏｔ               ｉｔ.
               "Ｓｏ               ｓｈｅ               ｑｕｉｔ.

Ｓｈｅ               ｔｒｉｅｄ               ｔｏ               ｔｒａｎｓｆｅｒ               ｈｅｒ               ｃｒｅｄｉｔｓ               ｔｏ               Ｈｅｎｎｅｐｉｎ               Ｔｅｃｈ               ｗｈｅｒｅ               ｔｈｅｙ               ｈａｄ               ｔｈｅ               ｌａｂ               ｓｈｅ               ｎｅｅｄｅｄ               ａｎｄ               ｓｈｅ               ｗａｓ               ｔｏｌｄ               ｔｈａｔ               ｎｏｎｅ               ｏｆ               ｈｅｒ               ｃｒｅｄｉｔｓ               ｗｏｕｌｄ               ｔｒａｎｓｆｅｒ.

Ｓｈｅ               ｈａｄ               ｔｏ               ｄｅｃｉｄｅ               ｔｏ               ｇｏ               ｄｅｅｐｅｒ               ｉｎ               ｄｅｂｔ               ａｔ               ＭＳＢ               ｏｒ               ｓｔａｒｔ               ｏｖｅｒ               ａｎｄ               ｇｏ               ｉｎｔｏ               ｄｅｂｔ               ａｔ               ａ               ｒｅａｌ               ｓｃｈｏｏｌ               ｗｈｅｒｅ               ｃｒｅｄｉｔｓ               ｔｒａｎｓｆｅｒｒｅｄ."
               "Ｉ               ｗａｓ               ｔｏｌｄ               ｔｈａｔ               ｃｏｌｌｅｇｅｓ               ｗｏｕｌｄ               ａｃｃｅｐｔ               ｍｙ               ＡＡ               ｄｅｇｒｅｅ,               "               ａｎｏｔｈｅｒ               ｓｔｕｄｅｎｔ               ｓａｙｓ.

"               "Ｂｕｔ               ｃｏｌｌｅｇｅｓ               ａｃｃｅｐｔ               ａｎ               Ａｓｓｏｃｉａｔｅ               ｏｆ               Ａｒｔｓ               ｄｅｇｒｅｅ,               ｎｏｔ               ａｎ               Ａｓｓｏｃｉａｔｅｓ               ｏｆ               Ｓｃｉｅｎｃｅ               Ｄｅｇｒｅｅ.

Ｔｈｅ               ａｄｍｉｓｓｉｏｎｓ               ｒｅｐ               ｊｕｓｔ               ｓａｙ               ＡＡ               ｄｅｇｒｅｅ,               ＡＡ               ｄｅｇｒｅｅ               ａｎｄ               ｎｅｖｅｒ               ｔｅｌｌ               ｙｏｕ               ｔｈｅ               ｄｉｆｆｅｒｅｎｃｅ."
               "Ｉ               ｗａｓ               ａ               ｋｉｄ               ｊｕｓｔ               ｏｕｔ               ｏｆ               ｈｉｇｈ               ｓｃｈｏｏｌ",               ｓａｙｓ               Ｉｈｒｋｅ,               "               ａｎｄ               ｍｙ               ｐａｒｅｎｔｓ               ｎｅｖｅｒ               ｗｅｎｔ               ｔｏ               ｃｏｌｌｅｇｅ.

Ｔｈｅｙ               ｓｏｌｄ               ｕｓ               ａ               ｂｉｌｌ               ｏｆ               ｇｏｏｄｓ               ａｎｄ               ｗｅ               ｔｈｏｕｇｈｔ               ａ               ｃｏｌｌｅｇｅ               ｗａｓ               ａ               ｃｏｌｌｅｇｅ.

Ｗｅ               ｈａｄ               ｎｏ               ｉｄｅａ               ｔｈａｔ               ｃｏｌｌｅｇｅ               ｃｒｅｄｉｔｓ               ｗｏｕｌｄ               ｎｏｔ               ｔｒａｎｓｆｅｒ."
               "Ｍａｙｂｅ               ｗｈａｔ               ｔｈｅｙ               ｄｏ               ｉｓ               ｌｅｇａｌ,               ｂｕｔ               ｉｔ               ｓｕｒｅ               ｉｓｎ'ｔ               ｅｔｈｉｃａｌ",               ｓａｙｓ               Ｉｈｒｋｅ.
               Ｎｏｔ               ｅｔｈｉｃａｌ?
               Ｗｈｅｒｅ               ｄｏｅｓ               ｔｈｅ               ｂｌａｍｅ               ｌｉｅ?
               Ｎｏｔ               ｗｉｔｈ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍｉｎｎｅｓｏｔａ.
               "Ｗｅ               ｈａｖｅ               ｎｅｖｅｒ               ｔｏｌｄ               ａｎｙｏｎｅ               ｔｈａｔ               ｗｅ               ａｃｃｅｐｔ               ｃｒｅｄｉｔｓ               ｆｒｏｍ               ｔｈｅ               Ｍｉｎｎｅｓｏｔａ               Ｓｃｈｏｏｌ               ｏｆ               Ｂｕｓｉｎｅｓｓ,               ｓａｙｓ               Ｐａｕｌａ               Ｂｒｕｇｇｅ,               ａｓｓｏｃｉａｔｅ               ｄｉｒｅｃｔｏｒ               ｏｆ               ａｄｍｉｓｓｉｏｎｓ               ａｔ               ｔｈｅ               ｕｎｉｖｅｒｓｉｔｙ.

"               "Ｓｔｕｄｅｎｔｓ               ａｔ               ＭＳＢ               ａｒｅ               ｔａｋｉｎｇ               ｃｏｕｒｓｅｓ               ｔｈａｔ               ａｒｅ               ｎｏｔ               ａｐｐｌｉｃａｂｌｅ               ｔｏ               ａ               ｄｅｇｒｅｅ               ａｔ               ａｎｙ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍｉｎｎｅｓｏｔａ               ｃａｍｐｕｓ."
               Ａｎｄ               ｉｔ               ａｐｐｅａｒｓ               ｔｈａｔ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍｉｎｎｅｓｏｔａ               ｉｓ               ｎｏｔ               ａｌｏｎｅ               ｉｎ               ｅｎｆｏｒｃｉｎｇ               ｔｈｉｓ               ｐｏｌｉｃｙ.
               "Ｉ               ｗａｎｔｅｄ               ｔｏ               ｓｔａｙ               ｉｎ               ｔｈｅ               Ｔｗｉｎ               Ｃｉｔｉｅｓ,               "               ｓａｙｓ               ａｎｏｔｈｅｒ               ｓｔｕｄｅｎｔ,               "               Ｉ               ｈａｄ               ｎｏ               ｃｈｏｉｃｅ,               Ｉ               ｗｏｒｋ               40               ｈｏｕｒｓ               ａ               ｗｅｅｋ               ａｔ               Ｗａｌ-Ｍａｒｔ               ａｎｄ               Ｉ               ｃａｌｌｅｄ               ｔｈｅ               Ｕ               ｏｆ               Ｍ,               Ｃｏｒｎｃｏｒｄｉａ,               Ｈａｍｌｉｎ               ａｎｄ               Ａｕｇｓｂｕｒｇ.

Ｎｏｔ               ｏｎｅ               ｃｏｌｌｅｇｅ               ａｃｃｅｐｔｅｄ               ｍｙ               ｃｒｅｄｉｔｓ."
               Ａｓ               ｏｎｅ               ｓｔｕｄｅｎｔ               ｓｕｃｃｉｎｃｔｌｙ               ｐｕｔ               ｉｔ,               "               Ｍｙ               ａｄｍｉｓｓｉｏｎ               ｏｆｆｉｃｅｒ               ｌｉｅｄ               ｔｏ               ｍｅ               ｗｏｒｓｅ               ｔｈａｎ               ｍｙ               Ｎａｖｙ               Ｒｅｃｒｕｉｔｅｒ".
               Ｂｕｔ               ｄｏ               ＭＳＢ               ｒｅｃｒｕｉｔｅｒｓ               ｌｉｅ?

Ｄｏ               ｔｈｅｙ               ｉｎｔｅｎｔｉｏｎａｌｌｙ               ｓｅｌｌ               ｓｔｕｄｅｎｔｓ               ｔｗｏ               ｙｅａｒｓ               ｏｆ               ａ               ｂｕｓｉｎｅｓｓ               ａｄｍｉｎｉｓｔｒａｔｉｏｎ               ｄｅｇｒｅｅ               ｔｈａｔ               ｌｅａｄｓ               ｎｏｗｈｅｒｅ               ?
               Ｔｈｅ               ａｎｓｗｅｒ               ａｐｐｅａｒｓ               ｔｏ               ｂｅ               ｙｅｓ.

Ｉ               ｓｅｎｔ               ａ               ｒｅｃｅｎｔ               ｈｉｇｈ               ｓｃｈｏｏｌ               ｇｒａｄｕａｔｅ               ｔｏ               ｔｈｅ               ＭＳＢ               ａｄｍｉｓｓｉｏｎ               ｏｆｆｉｃｅ               ｗｈｏ               ｂｒａｖｅｌｙ               ｌｉｓｔｅｎｅｄ               ｔｏ               ｔｗｏ               ｈｏｕｒｓ               ｏｆ               ｔｈｅ               ｓｏｎｇ               ａｎｄ               ｄａｎｃｅ               ｔｈｅｙ               ｇｉｖｅ               ｐｅｒｓｐｅｃｔｉｖｅ               ｓｔｕｄｅｎｔｓ.

Ｔｈｅｎ               ｍｙ               ｕｎｄｅｒｃｏｖｅｒ               ｓｔｕｄｅｎｔ               ａｓｋｅｄ               ｔｈｅ               ｋｅｙ               ｑｕｅｓｔｉｏｎ.
               Ｈｅ               ｓａｉｄ               "               Ｉ               ｗａｎｔ               ｔｏ               ｇｏ               ｔｏ               Ｎｏｒｍａｎｄａｌｅ               Ｃｏｍｍｍｕｎｉｔｙ               Ｃｏｌｌｅｇｅ               ｏｒ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍｉｎｎｅｓｏｔａ               ｌａｔｅｒ.

Ｗｉｌｌ               ｍｙ               ｃｒｅｄｉｔｓ               ｔｒａｎｓｆｅｒ?

"               
               Ｔｈｅ               ａｎｓｗｅｒ               ｈｅ               ｒｅｃｅｉｖｅｄ               ｗａｓ               ｃｏｎｆｕｓｉｎｇ               ａｔ               ｂｅｓｔ.

Ｉｎｓｔｅａｄ               ｏｆ               ａ               ｓｔｒａｉｇｈｔ-               ｆｏｒｗａｒｄ               ｈｏｎｅｓｔ               ＮＯ               -               ｈｅ               ｈｅａｒｄ,               "               Ｔｈｅｙ               ｄｏｎ'ｔ               ａｌｌ               ｔｒａｎｓｆｅｒ               ａｔ               ｏｎｃｅ,               ｂｕｔ               ｔｈｅｎ               ｔｈｅｙ               ｔｒａｎｓｆｅｒ               ｉｎ               ｂｕｎｃｈｅｓ."
               Ａｆｔｅｒ               ｔｈｅ               ｓｔｕｄｅｎｔ               ｒｅｐｏｒｔｅｄ               ｂａｃｋ               ｔｏ               ｍｅ,               Ｉ               ｃａｌｌｅｄ               ｔｈｅ               Ａｄｍｉｓｓｉｏｎ               ｏｆｆｉｃｅｒ               ｂａｃｋ               ａｎｄ               ｄｉｒｅｃｔｌｙ               ａｓｋｅｄ               ,               "               Ｄｏ               ｔｈｅ               ｃｒｅｄｉｔｓ               ｔｒａｎｓｆｅｒ               ｔｏ               Ｎｏｒｍａｎｄａｌｅ               ｏｒ               ｔｈｅ               Ｕ               ｏｆ               Ｍ."
               Ｔｈｅ               ａｎｓｗｅｒ               ｗａｓ               "Ａｂｓｏｌｕｔｅｌｙ'.
               Ｔｈｉｓ               ｈａｄ               ｔｏ               ｂｅ               ａ               ｍｉｓｔａｋｅ.

Ｉ               ａｓｋｅｄ               ａｇａｉｎ.
               Ａｇａｉｎ               ｔｈｅ               ａｎｓｗｅｒ               ｗａｓ,               "Ａｂｓｏｌｕｔｅｌｙ,               ｗｉｔｈ               ｎｏ               ｐｒｏｂｌｅｍ."
               Ｇｅｅ,               ｇｒｅａｔ               -               ｗｈｅｒｅ               ｃａｎ               Ｉ               ｓｉｇｎ               ｕｐ               ａｎｄ               ｇｉｖｅ               ｙｏｕ               $25,000               ｆｏｒ               ｌｙｉｎｇ               ｔｏ               ｍｅ?
               Ｔｈｉｓ               ｓｍａｌｌ               ｂｒｅａｃｈ               ｉｎ               ＭＳＢ'ｓ               ｅｔｈｉｃｓ               ｃｏｌｌｅｃｔｉｖｅｌｙ               ｃｏｓｔｓ               ｓｔｕｄｅｎｔｓ               ｍｉｌｌｉｏｎｓ               ｏｆ               ｄｏｌｌａｒｓ..

Ａｎｄ               ｔｈｅ               ｓｔｏｒｉｅｓ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｂｅ               ｈｅａｒｔ               ｂｒｅａｋｉｎｇ.
               Ａ               ｓｉｎｇｌｅ               ｍｏｔｈｅｒ               ｔｏｌｄ               ｍｅ,               "Ｉ               ｗａｎｔｅｄ               ｔｏ               ｇｅｔ               ｏｕｔ               ｏｆ               ｐｏｖｅｒｔｙ,               ｗａｎｔｅｄ               ｔｏ               ｂｅ               ｓｏｍｅｔｈｉｎｇ,               ｓｏｍｅｏｎｅ.

Ｉ               ｆｅｌｌ               ｆｏｒ               ｔｈｅｉｒ               ＴＶ               ｃｏｍｍｅｒｃｉａｌ               ａｎｄ               ｔｗｏ               ｙｅａｒｓ               ｌａｔｅｒ               Ｉ               ｈａｖｅ               ａｎ               ＡＡ               ｄｅｇｒｅｅ               ｉｎ               Ｂｕｓｉｎｅｓｓ               Ａｄｍｉｎｉｓｔｒａｔｉｏｎ,               ｗｉｔｈ               ｃｒｅｄｉｔｓ               ｔｈａｔ               ｗｏｎ'ｔ               ｔｒａｎｓｆｅｒ               ａｎｙｗｈｅｒｅ.
               "Ｔｈｅ               ｗｏｒｓｅ               ｐａｒｔ,               ｔｈｅｙ               ｄｒｏｖｅ               ｍｅ               ｄｅｅｐｅｒ               ｉｎｔｏ               ｐｏｖｅｒｔｙ.

Ｉ               ｎｏｗ               ｏｗｅ               $30,000               ｉｎ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ａｎｄ               ａｍ               ａｐｐｌｙｉｎｇ               ｆｏｒ               ｊｏｂｓ               ａｔ               Ｗａｌｍａｒｔ               ａｎｄ               Ｗａｌｇｒｅｅｎｓ,               ｊｏｂｓ               Ｉ               ｃｏｕｌｄ               ｈａｖｅ               ｇｏｔｔｅｎ               ｗｉｔｈｏｕｔ               ｔｈｅ               ｄｅｇｒｅｅ.
               "Ａｎｄ               Ｉ               ｓｔｉｌｌ               ｓｔｒｕｇｇｌｅ               ｔｏ               ｆｅｅｄ               ｍｙ               ｋｉｄ."
               Ｙｅｔ,               ｔｈｅ               ｏｗｎｅｒ               ｏｆ               Ｍｉｎｎｅｓｏｔａ               Ｓｃｈｏｏｌ               ｏｆ               Ｂｕｓｉｎｅｓｓ               ｈａｓ               ｎｏ               ｔｒｏｕｂｌｅ               ｆｅｅｄｉｎｇ               ｈｉｓ               ｋｉｄｓ.
               Ａ               ｎｏｔｅ               ｏｆ               ｅｘｐｌａｎａｔｉｏｎ               ｈｅｒｅ,               ｆｏｒ               ｔｈｉｓ               ａｒｔｉｃｌｅ,               Ｉ               ｄｉｄ               ｗａｎｔ               ｔｏ               ｈｅａｒ               ＭＳＢ'ｓ               ｓｉｄｅ               ｏｆ               ｔｈｅ               ｓｔｏｒｙ.

Ｉ               ｃａｌｌｅｄ               ｔｈｅｍ,               ｂｕｔ               ｔｈｅｙ               ｗｏｕｌｄｎ'ｔ               ｒｅｔｕｒｎ               ｐｈｏｎｅ               ｃａｌｌｓ.

Ｉ               ｅｍａｉｌｅｄ               ｔｈｅｍ               ａ               ｓｐｅｃｉｆｉｃ               ｌｉｓｔ               ｏｆ               ｑｕｅｓｔｉｏｎｓ.

Ａｇａｉｎ,               ｎｏ               ｒｅｓｐｏｎｓｅ.
               Ｏｎｅ               ｑｕｅｓｔｉｏｎ               Ｉ               ａｓｋｅｄ               -               "Ｗｈａｔ               ｗａｓ               ｔｈｅ               ａｖｅｒａｇｅ               ｄｅｂｔ               ａ               ｓｔｕｄｅｎｔ               ｈａｄ               ａｆｔｅｒ               ｔｗｏ               ｙｅａｒｓ               ｏｆ               ａｔｔｅｎｄｉｎｇ               ｔｈｅ               ｓｃｈｏｏｌ?

"
               Ｉｔ               ｗａｓｎ'ｔ               ｈａｒｄ               ｔｏ               ｆｉｇｕｒｅ               ｏｕｔ.

Ｉ               ｉｎｔｅｒｖｉｅｗｅｄ               ｏｖｅｒ               20               ｓｔｕｄｅｎｔｓ,               ａｌｌ               ｗｈｏｓｅ               ｔｒａｎｓｃｒｉｐｔｓ               ｈａｄ               ｂｅｅｎ               ｒｅｊｅｃｔｅｄ               ｂｙ               ｃｏｌｌｅｇｅ               ａｆｔｅｒ               ｃｏｌｌｅｇｅ.

Ａｎｄ               ｅａｃｈ               ｓｔｕｄｅｎｔ               ｗａｓ               $20,000               ｔｏ               $25,000               ｉｎ               ｄｅｂｔ.

Ａｎｄ               ｅｖｅｒｙ               ｏｎｅ               ｏｆ               ｔｈｅｍ               ｈａｄ               ｔｏ               ｓｔａｒｔ               ａｌｌ               ｏｖｅｒ               ａｔ               ａ               ｎｅｗ               ｃｏｌｌｅｇｅ.
               Ａｓ               ｏｎｅ               ｓｔｕｄｅｎｔ               ｐｕｔ               ｉｔ,               "Ｃｒｅｄｉｔｓ               ａｒｅ               $350               ａｐｉｅｃｅ               ａｔ               ＭＳＢ.

Ｔｈｅ               ｓａｍｅ               ｃｒｅｄｉｔ               ｉｓ               $65               ａｔ               Ｎｏｒｍａｎｄａｌｅ               ｏｒ               ＭＣＴＤ.

Ａｎｄ               ｔｈｅ               $65               ｃｒｅｄｉｔ               ｔｒａｎｓｆｅｒｓ.

Ｉ               ｆｉｇｕｒｅｄ               ｉｔ               ｗｏｕｌｄ               ｃｏｓｔ               ｍｅ               ａｎ               ａｄｄｉｔｉｏｎａｌ               $60,000               ｉｆ               Ｉ               ｗａｎｔｅｄ               ｔｏ               ｆｉｎｉｓｈ               ｍｙ               Ｂａｃｈｅｌｏｒｓ               ａｔ               ＭＳＢ.
               "Ｔｈｉｓ               ｓｕｃｋｓ,               Ｉ               ｗｉｓｈ               Ｉ               ｈａｄ               ｎｅｖｅｒ               ｓｔａｒｔｅｄ               ａｔ               ＭＳＢ."
               Ｂｕｔ               ｓｔｕｄｅｎｔ               ｄｅｂｔ               ｉｓ               ｇｏｏｄ               ｆｏｒ               ｔｈｅ               ｏｗｎｅｒ               ｏｆ               ｔｈｅ               Ｍｉｎｎｅｓｏｔａ               Ｓｃｈｏｏｌ               ｏｆ               Ｂｕｓｉｎｅｓｓ,               Ｔｅｒｒｙ               Ｍｙｈｒｅ.

Ｈｅ               ｒｅａｌｉｚｅｄ               ｅａｒｌｙ               ｔｈａｔ               ｈｅ               ｃｏｕｌｄ               ｆｉｎａｎｃｅ               ａｎ               ｅｄｕｃａｔｉｏｎａｌ               ｅｍｐｉｒｅ               ｏｆｆ               ｔｈｅ               ｂａｃｋ               ｏｆ               ｓｔｕｄｅｎｔｓ.

Ｔｈｅｙ               ｔｏｏｋ               ｏｕｔ               ｔｈｅ               ｌｏａｎｓ,               ｔｈｅｙ               ｈａｄ               ｔｏ               ｐａｙ               ｔｈｅｍ               ｂａｃｋ               ａｎｄ               ｔｈｉｓ               ｇａｖｅ               ｈｉｍ               ａ               ｓｏｕｒｃｅ               ｏｆ               ｉｎｔｅｒｅｓｔ-ｆｒｅｅ               ｌｏａｎｓ.
               Ｓｏ               ｗｉｔｈ               ｔｈｅ               ｈｅｌｐ               ｏｆ               ｓｔｕｄｅｎｔ               ｃｏｎｔｒｉｂｕｔｉｏｎｓ,               ｉ.ｅ.

ｓｔｕｄｅｎｔ               ｌｏａｎｓ               ｔｈａｔ               ｈｅ               ｗａｓ               ｎｏｔ               ｒｅｓｐｏｎｓｉｂｌｅ               ｆｏｒ               ｐａｙｉｎｇ               ｂａｃｋ,               Ｍｙｈｒｅ               ｂｕｉｌｔ               ａｎ               ｅｄｕｃａｔｉｏｎａｌ               ｅｍｐｉｒｅ               ｉｎｃｌｕｄｉｎｇ               ＭＳＢ,               Ｇｌｏｂｅ               Ｃｏｌｌｅｇｅ,               Ｄｕｌｕｔｈ               Ｂｕｓｉｎｅｓｓ               Ｕｎｉｖｅｒｓｉｔｙ,               Ｍｉｎｎｅｓｏｔａ               Ｓｃｈｏｏｌ               ｏｆ               Ｔｅｃｈｎｏｌｏｇｙ,               Ｕｔａｈ               Ｃａｒｅｅｒ               Ｃｏｌｌｅｇｅ               ａｎｄ               ｓｅｖｅｒａｌ               ｏｔｈｅｒ               ｅｄｕｃａｔｉｏｎａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ.
               Ａｎｄ               ｗｈｉｌｅ               ｓｔｕｄｅｎｔｓ               ｓｔｒｕｇｇｌｅ               ｗｉｔｈ               ｃｒｅｄｉｔｓ               ｔｈａｔ               ｄｏ               ｎｏｔ               ｔｒａｎｓｆｅｒ               ａｎｄ               ｐａｙｉｎｇ               ｏｆｆ               20               -30,000               ｉｎ               ｌｏａｎｓ,               ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               ｍａｇａｚｉｎｅ               Ｍｉｎｎｅｓｏｔａ               Ｂｕｓｉｎｅｓｓ               ,               Ｍｙｈｒｅ'ｓ               ｅｍｐｉｒｅ               ｉｓ               ｇｅａｒｅｄ               ｔｏ               ｒａｋｅ               ｉｎ               $140               ｍｉｌｌｉｏｎ               ｂｙ               2008.
               Ｏｆ               ｃｏｕｒｓｅ               ｓｏｍｅ               ｏｆ               Ｔｅｒｒｙ'ｓ               ｐｒｏｆｉｔｓ               ｇｏ               ｂａｃｋ               ｉｎｔｏ               ｍａｒｋｅｔｉｎｇ               ｈｉｓ               ｓｃｈｏｏｌｓ.

Ｔｈｅｙ               ｈｅｌｐ               ｔｏ               ｐｒｉｎｔ               ＭＳＢ               ｇｌｏｓｓｙ               ｂｒｏｃｈｕｒｅｓ               ｔｈａｔ               ｐｒｏｃｌａｉｍ               "               Ｓｔｕｄｅｎｔｓ               ｌｅａｒｎ               ｓｋｉｌｌｓ               ｔｈａｔ               ａｒｅ               ｉｎ               ｈｉｇｈ               ｄｅｍａｎｄ               ｂｙ               ｅｍｐｌｏｙｅｒｓ…"
               Ｈｏｗｅｖｅｒ,               ｓｔｕｄｅｎｔ               ａｆｔｅｒ               ｓｔｕｄｅｎｔ               ｓｐｉｎｓ               ｔｈｅ               ｓａｍｅ               ｓｔｏｒｙ.

Ｔｈｅｙ               ｔｏｏｋ               ａ               ｃａｒｅｅｒ               ｄｅｖｅｌｏｐｍｅｎｔ               ｃｌａｓｓ               ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈｅｉｒ               ｓｔｉｎｔ               ａｔ               ＭＳＢ.

Ａｎｄ,               ａｆｔｅｒ               ｐａｙｉｎｇ               $1,000               ｆｏｒ               ｔｈｅ               ｃｌａｓｓ,               ｔｈｅｙ               ｗｅｒｅ               ａｄｖｉｓｅｄ               ｔｏ               ｃｏｌｄ-ｃａｌｌ               ＷａｌＭａｒｔ               ａｎｄ               ｏｔｈｅｒ               ｒｅｔａｉｌ               ｓｔｏｒｅｓ.
               Ａｓ               ｏｎｅ               ｓｔｕｄｅｎｔ               ｐｕｔ               ｉｔ,               "               Ｉｔ               ｄｏｅｓｎ'ｔ               ｔａｋｅ               ａ               ｇｅｎｉｕｓ               ｔｏ               ｆｉｇｕｒｅ               ｏｕｔ               Ｉ               ｃｏｕｌｄ               ｈａｖｅ               ａｐｐｌｉｅｄ               ｆｏｒ               ｔｈｅｓｅ               ｊｏｂｓ               ｗｉｔｈｏｕｔ               ｓｐｅｎｄｉｎｇ               $23,000               ａｔ               ＭＳＢ."
               Ａｎｄ               Ｉ               ｆｅｅｌ               ｗｏｒｓｅ               ｆｏｒ               ｔｈｅ               Ｍｕｓｉｃ               Ｂｕｓｉｎｅｓｓ               ｍａｊｏｒｓ               Ｉ               ｈａｄ               ｉｎ               ｃｌａｓｓ.

Ｉ               ｓｈｏｕｌｄ               ｈａｖｅ               ｓｔｅｐｐｅｄ               ｆｏｒｗａｒｄ               ａｎｄ               ｓａｉｄ               -               Ｈｅｙ,               Ｔｈｉｓ               ｉｓ               Ｍｉｎｎｅａｐｏｌｉｓ.

Ｙｏｕ               ｗａｎｔ               ｔｏ               ｂｅ               ｉｎ               ｍｕｓｉｃ,               ｍｏｖｅ               ｔｏ               Ｎａｓｈｖｉｌｌｅ,               Ｌｏｓ               Ａｎｇｅｌｅｓ,               Ｎｅｗ               Ｙｏｒｋ.
               Ｂｕｔ               Ｉ               ｄｉｄｎ'ｔ.

Ａｎｄ               ａ               ｆｏｒｍｅｒ               ｍｕｓｉｃ               ｂｕｓｉｎｅｓｓ               ｍａｊｏｒ               ｓａｉｄ               ｔｏ               ｍｅ               ｔｈｅ               ｏｔｈｅｒ               ｄａｙ,               "               Ｎｏｔ               ｏｎｅ,               ｎｏｔ               ｏｎｅ               ｐｅｒｓｏｎ,               Ｉ               ｇｒａｄｕａｔｅｄ               ｗｉｔｈ,               ｅｖｅｎ               ｇｏｔ               ａ               ｊｏｂ               ｉｎ               ｍｕｓｉｃ."
               Ｉ               ｃｏｕｌｄ               ｈａｖｅ               ｐｒｅｄｉｃｔｅｄ               ｔｈａｔ.

Ｙｅｔ               Ｉ               ｂｒｏｕｇｈｔ               ｉｎｔｏ               ｔｈｅ               ｃｏｎｓｐｉｒａｃｙ               ｏｆ               ｓｉｌｅｎｃｅ               ｔｈａｔ               ｔｈｅｉｒ               ｄｅｇｒｅｅ               ｗｏｕｌｄ               ｈｅｌｐ               ｔｈｅｉｒ               ｌｉｖｅｓ,               ｈｅｌｐ               ｔｈｅｍ               ｆｕｌｆｉｌｌ               ｔｈｅｉｒ               ｄｒｅａｍｓ.

Ｂｕｔ               ｈｅｙ,               ｉｔ               ｗａｓｎ'ｔ               "ｍｙ               ｊｏｂ"               ｔｏ               ｄｉｓｃｏｕｒａｇｅ               ｓｔｕｄｅｎｔｓ.
               Ｂｕｔ               ｉｆ               ｙｏｕ               ｌｏｏｋ               ｌｏｎｇ               ｅｎｏｕｇｈ,               ｙｏｕ               ｃａｎ               ｆｉｎｄ               ｔｈｅ               ｔｒｕｔｈ.

Ｉｔ               ｉｓ               ｂｕｒｉｅｄ               ｏｎ               ｔｈｅ               ＭＳＢ               ｗｅｂｓｉｔｅ.
               Ａ               ｐｒｏｓｐｅｃｔｉｖｅ               ｓｔｕｄｅｎｔ               ｍｕｓｔ               ｇｏ               ｔｏ               ｔｈｅ               ＭＳＢ               ｈｏｍｅｐａｇｅ,               ｃｌｉｃｋ               ｏｎ               Ａｂｏｕｔ               Ｕｓ,               ｃｌｉｃｋ               ｏｎ               Ａｃｃｒｅｄｉｔａｔｉｏｎ               ａｎｄ               ｔｈｅｎ               ｈａｖｅ               ｔｈｅ               ｓｅｎｓｅ               ｔｏ               ｃｌｉｃｋ               ｏｎ               Ｌｉｃｅｎｓｅｓ,               ｓｏｍｅｔｈｉｎｇ               ｆｅｗ               ｓｔｕｄｅｎｔｓ               ｗｏｕｌｄ               ｈａｖｅ               ｔｈｅ               ｔｉｍｅ               ｏｒ               ｐａｔｉｅｎｃｅ               ｆｏｒ.
               Ｃｌｉｃｋ               ｏｎ               ｌｉｃｅｎｓｅｓ,               ｙｏｕ               ｆｉｎｄ               ｔｈｉｓ               ｔｅｒｓｅ               ｐａｒａｇｒａｐｈ,               ｖａｇｕｅｌｙ               ｗｏｒｄｅｄ               ａｂｏｕｔ               ｃｒｅｄｉｔｓ               ｔｒａｎｓｆｅｒｒｉｎｇ               ａｎｙｗｈｅｒｅ.
               "Ｍｉｎｎｅｓｏｔａ               Ｓｃｈｏｏｌ               ｏｆ               Ｂｕｓｉｎｅｓｓ               ａｎｄ               Ｇｌｏｂｅ               Ｃｏｌｌｅｇｅ               ａｒｅ               ｌｉｃｅｎｓｅｄ               ａｓ               ｐｒｉｖａｔｅ               ｃａｒｅｅｒ               ｓｃｈｏｏｌｓ               ｗｉｔｈ               ｔｈｅ               Ｍｉｎｎｅｓｏｔａ               Ｏｆｆｉｃｅ               ｏｆ               Ｈｉｇｈｅｒ               Ｅｄｕｃａｔｉｏｎ.

Ｌｉｃｅｎｓｕｒｅ               ｉｓ               ｎｏｔ               ａｎ               ｅｎｄｏｒｓｅｍｅｎｔ               ｏｆ               ｔｈｅ               ｉｎｓｔｉｔｕｔｉｏｎ.

Ｃｒｅｄｉｔｓ               ｅａｒｎｅｄ               ａｔ               ｔｈｅ               ｉｎｓｔｉｔｕｔｉｏｎ               ｍａｙ               ｎｏｔ               ｔｒａｎｓｆｅｒ               ｔｏ               ａｌｌ               ｏｔｈｅｒ               ｉｎｓｔｉｔｕｔｉｏｎｓ.

Ｔｈｅ               ｅｄｕｃａｔｉｏｎａｌ               ｐｒｏｇｒａｍｓ               ｍａｙ               ｎｏｔ               ｍｅｅｔ               ｔｈｅ               ｎｅｅｄｓ               ｏｆ               ｅｖｅｒｙ               ｓｔｕｄｅｎｔ               ｏｒ               ｅｍｐｌｏｙｅｒ."
               Ｍａｙ               ｎｏｔ               ｔｒａｎｓｆｅｒ?

Ｍａｙ               ｎｏｔ               ｍｅｅｔ               ｔｈｅ               ｎｅｅｄｓ               ｏｆ               ａｎ               ｅｍｐｌｏｙｅｒ?
               ＭＳＢ               ｋｎｏｗｓ               ｔｈｉｓ               ａｌｌ               ｔｏｏ               ｗｅｌｌ               ａｎｄ               ｉｓ               ｕｓｅｄ               ｔｏ               ｔｒｅａｄｉｎｇ               ｏｎ               ｓｈａｋｙ               ｌｅｇａｌ               ｇｒｏｕｎｄ.

Ｉｎ               ｆａｃｔ               ｍａｎｙ               ｓｔｕｄｅｎｔｓ,               ｕｎｗｉｔｔｉｎｇｌｙ,               ｓｉｇｎｅｄ               ａｒｂｉｔｒａｔｉｏｎ               ａｇｒｅｅｍｅｎｔｓ               ｗｉｔｈ               ＭＳＢ               ｗｈｅｎ               ｉｎｉｔｉａｌｌｙ               ｒｅｇｉｓｔｅｒｉｎｇ               ａｓ               ｓｔｕｄｅｎｔｓ.

Ｉｔ               ｄｏｅｓｎ'ｔ               ｑｕｉｔｅ               ｍａｔｃｈ               ａ               ｗａｒｍ               ｈａｎｄｓｈａｋｅ               ａｎｄ               ａ               ｈｅａｒｔｙ               "ｗｅｌｃｏｍｅ               ｔｏ               ｃｏｌｌｅｇｅ"               ａｓ               ａ               ｇｒｅｅｔｉｎｇ,               ｂｕｔ               ｆｒｏｍ               ｔｈｅ               ｆｉｒｓｔ               ｄａｙ               ｔｈａｔ               ａ               ｓｔｕｄｅｎｔ               ｓｉｇｎｓ               ｕｐ,               ＭＳＢ               ｐｕｔｓ               ｉｎ               ｌｅｇａｌ               ｒｏａｄｂｌｏｃｋｓ               ｔｏ               ｐｒｏｔｅｃｔ               ｉｔｓｅｌｆ,               ｗｈｅｎ               ｕｐｓｅｔ               ｓｔｕｄｅｎｔｓ               ｔｈｒｅａｔｅｎ               ｌａｗｓｕｉｔｓ.
               Ｈｏｗｅｖｅｒ               ｉｎ               ａ               ｐｅｒｖｅｒｔｅｄ               ｗａｙ,               ｉｔ               ｉｓ               ｇｏｏｄ               ｆｏｒ               ＭＳＢ               ｔｈａｔ               ｃｏｕｒｓｅｓ               ｄｏ               ｎｏｔ               ｔｒａｎｓｆｅｒ.

Ｉｎ               ｆａｃｔ,               ｉｔ               ｉｓ               ａｎ               ｅｘａｍｐｌｅ               ｏｆ               ｍａｒｋｅｔｉｎｇ               ｂｒｉｌｌａｎｃｅ.


               Ｙｏｕ               ｉｎｖｅｓｔ               ｔｗｏ               ｙｅａｒｓ               ａｎｄ               $25,000               ｉｎ               ｃｏｕｒｓｅｓ               ｔｈａｔ               ｔｒａｎｓｆｅｒ               ｎｏｗｈｅｒｅ.

Ｙｏｕ               ｗａｎｔ               ａ               Ｂａｃｈｅｌｏｒ'ｓ               Ｄｅｇｒｅｅ.

Ｙｏｕ               ｇｕｅｓｓｅｄ               ｉｔ,               ｙｏｕ               ｃａｎ               ｓｔａｙ               ａｔ               ＭＳＢ,               ｇｏ               ｆｕｒｔｈｅｒ               ｉｎ               ｄｅｂｔ               ａｎｄ               ｅａｒｎ               ａ               Ｂａｃｈｅｌｏｒ'ｓ               Ｄｅｇｒｅｅ               ｔｈｅｒｅ.
               Ｉｔ               ｉｓ               ｔｈｅ               ｏｌｄ               "ｋｅｅｐ               ｔｈｅ               ｓｕｃｋｅｒｓ               ｃｏｍｉｎｇ               ｂａｃｋ"               ｖｅｒｓｉｏｎ               ｏｆ               ｍａｒｋｅｔｉｎｇ.
               Ｎｏｗ,               ｌｅｔ'ｓ               ｓａｙ               ｙｏｕ               ｅａｒｎ               ｙｏｕｒ               Ｂａｃｈｅｌｏｒ'ｓ               Ｄｅｇｒｅｅ               ａｔ               ＭＳＢ.

Ａｎｄ               ｙｏｕ               ｗａｎｔ               ａｎ               ＭＢＡ.

Ｅｘｃｅｐｔ               ｙｏｕｒ               ｃｏｕｒｓｅｓ               ｄｏ               ｎｏｔ               ｔｒａｎｓｆｅｒ               ａｎｄ               ｙｏｕ               ｃａｎｎｏｔ               ｅｎｔｅｒ               ａｎｙ               ＭＢＡ               ｐｒｏｇｒａｍ.

Ｂｕｔ               ｉｆ               ｙｏｕ               ｔｕｒｎ               ｉｎ               ａ               ｃｉｒｃｌｅ               ｔｈｒｅｅ               ｔｉｍｅｓ               ａｎｄ               ｃｌｉｃｋ               ｙｏｕｒ               ｈｅｅｌｓ               ｔｏｇｅｔｈｅｒ,               ｍａｇｉｃａｌ               ｔｈｉｎｇｓ               ｈａｐｐｅｎ.

Ｔｈａｔ'ｓ               ｒｉｇｈｔ,               ａｌｔｈｏｕｇｈ               ｎｏ               ｏｔｈｅｒ               ｕｎｉｖｅｒｓｉｔｙ               ｗｉｌｌ               ａｃｃｅｐｔ               ｙｏｕｒ               ｃｒｅｄｉｔｓ,               ｙｏｕ               ｃａｎ               ｅａｒｎ               ａｎ               ＭＢＡ               ｄｅｇｒｅｅ               ｏｎｌｉｎｅ               ｆｒｏｍ               ＭＳＢ.
               Ｓｔｕｄｅｎｔｓ,               ｎｏｔ               ａｓ               ｗｅｌｌ               ｖｅｒｓｅｄ               ｉｎ               ｍａｒｋｅｔｉｎｇ               ａｓ               ｔｈｅ               ｅｘｐｅｒｔｓ               ａｔ               ＭＳＢ               ,               ａｒｅ               ｓｌｏｗｌｙ               ｇｅｔ               ｒｉｐｐｅｄ               ｏｆｆ.
               Ｓａｄｌｙ,               ｔｈｉｓ               ｐｈｉｌｏｓｏｐｈｙ               ｏｆ               "ｍｏｎｅｙ               ｉｓ               ｋｉｎｇ"               ｐｅｒｍｅａｔｅｄ               ｔｈｅ               ｅｎｔｉｒｅ               ａｃａｄｅｍｉｃ               ｓｔｒｕｃｔｕｒｅ               ｏｆ               ＭＳＢ.

Ｉ               ｏｆｔｅｎ               ｈａｄ               ｓｔｕｄｅｎｔｓ               ｉｎ               ｍｙ               ｃｌａｓｓ               ｔｈａｔ               ｑｕｉｔｅ               ｆｒａｎｋｌｙ,               ｉｆ               ｔｈｅｙ               ｗｅｒｅ               ｉｎ               ｈｉｇｈ               ｓｃｈｏｏｌ,               ｗｏｕｌｄ               ｂｅ               ｒｅｃｅｉｖｉｎｇ               ｆｒｅｅ               ｓｐｅｃｉａｌ               ｅｄｕｃａｔｉｏｎ               ｈｅｌｐ.

Ｂｕｔ               ａｔ               ＭＳＢ,               ｗｈｅｎ               ａ               ｓｔｕｄｅｎｔ               ｓｔｒｕｇｇｌｅｄ               ｗｉｔｈ               ａ               ｃｌａｓｓ,               ｎｏ               ｓｕｃｈ               ｈｅｌｐ               ｗａｓ               ｆｏｒｔｈｃｏｍｉｎｇ.

Ｂｕｔ               ＭＳＢ               ｗａｓ               ｇｌａｄ               ｔｏ               ｌｉｎｅ               ｓｔｒｕｇｇｌｉｎｇ               ｓｔｕｄｅｎｔｓ               ｕｐ               ｗｉｔｈ               ａ               ｔｕｔｏｒ               ｆｏｒ               $8               ａｎ               ｈｏｕｒ.
               Ａｎｄ               ｉｔ               ｗａｓ               ｔｈｉｓ               "ｍｏｎｅｙ               ｉｓ               ｋｉｎｇ"               ａｔｔｉｔｕｄｅ               ｔｈａｔ               ｍａｄｅ               ｍｅ               ｆｅｅｌ               ｌｉｋｅ               ｓｔａｎｄｉｎｇ               ｉｎ               ｆｒｏｎｔ               ｏｆ               ａ               ｃｌａｓｓ               ａｎｄ               ｓｃｒｅａｍｉｎｇ.

"Ｒｕｎ,               ｒｕｎ               ｎｏｗ               ａｓ               ｆａｓｔ               ａｓ               ｙｏｕ               ｃａｎ,               ｆｒｏｍ               ｔｈｉｓ               ｃｌａｓｓｒｏｏｍ,               ｆｒｏｍ               ｔｈｉｓ               ｐｌａｃｅ               ｂｅｆｏｒｅ               ｙｏｕ               ｅｎｄ               ｕｐ               ｏｗｉｎｇ               $30,000."
               Ｉｎ               ａ               ｈａｌｆ-ａｓｓｅｄ               ｗａｙ,               Ｉ               ｔｒｉｅｄ;               ｄｕｒｉｎｇ               ａ               ｃｌａｓｓ,               Ｉ               ｗｏｕｌｄ               ａｓｋ               ｓｔｕｄｅｎｔｓ               "               Ｄｏ               ｙｏｕ               ｋｎｏｗ               ｉｆ               ｙｏｕｒ               ｃｒｅｄｉｔｓ               ｔｒａｎｓｆｅｒ               ｔｏ               ａ               ｒｅｇｕｌａｒ               ｃｏｌｌｅｇｅ."               
               Ｔｈｅｙ               ａｌｌ               ｓａｉｄ               ,               "Ｙｅｓ".
               Ｉ               ｗｏｕｌｄ               ｓａｙ,"               Ｎｏ,               ｔｈｅｙ               ｄｏｎ'ｔ".
               Ｔｈｅｎ,               ｓｔｕｄｅｎｔｓ               ｗｏｕｌｄ               ｃａｌｌ               Ｓｔ.

Ｔｈｏｍａｓ,               ｏｒ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍｉｎｎｅｓｏｔａ,               ｏｒ               ａ               ｌｏｃａｌ               ｃｏｍｍｕｎｉｔｙ               ｃｏｌｌｅｇｅ.

Ｎｅｘｔ               ｄａｙ,               ｔｈｅｙ               ｗｏｕｌｄ               ｄｒａｇ               ｉｎ,               ａｎｄ               ｓａｙ,               "               Ｙｏｕ'ｒｅ               ｒｉｇｈｔ.

Ｎｏ               ｏｎｅ               ｔａｋｅｓ               ｔｈｅｓｅ               ｃｒｅｄｉｔｓ."
               Ａｎｄ               ｆｉｎａｌｌｙ,               ｔｈｅ               ｌａｓｔ               ｔｗｏ               ｑｕａｒｔｅｒｓ               Ｉ               ｗａｓ               ａｔ               ＭＳＢ,               Ｉ               ａｓｋｅｄ               ｅｖｅｒｙ               ｓｉｎｇｌｅ               ｃｌａｓｓ               ,               ｅｖｅｒｙ               ｓｉｎｇｌｅ               ｓｔｕｄｅｎｔ               ｉｆ               ｔｈｅｙ               ｋｎｅｗ               ｔｈｅｉｒ               ｃｒｅｄｉｔｓ               ｄｉｄ               ｎｏｔ               ｔｒａｎｓｆｅｒ.

Ｉ               ａｓｋｅｄ               ｏｖｅｒ               800               ｓｔｕｄｅｎｔｓ               ａｎｄ               ｎｏｔ               ｏｎｅ               ｓｕｓｐｅｃｔｅｄ               ｔｈｅｉｒ               ｃｏｕｒｓｅｓ               ｗｏｕｌｄ               ｎｅｖｅｒ               ｔｒａｎｓｆｅｒ.
               Ａｎｄ               ｔｈｅ               ｌｏｎｇｅｒ               Ｉ               ｄｉｄ               ｎｏｔｈｉｎｇ,               ｈｏｗ               ｍａｎｙ               ｓｔｕｄｅｎｔｓ               ａ               ｓｅｍｅｓｔｅｒ               ｗｅｒｅ               ｇｅｔｔｉｎｇ               ｓｃｒｅｗｅｄ.?

Ｈｏｗ               ｍｕｃｈ               ｄｉｄ               ｍｙ               ｆａｉｌｕｒｅ               ｏｆ               ｃｏｎｓｃｉｅｎｃｅ               ｃｏｓｔ               ｓｔｕｄｅｎｔｓ?
               Ｉ               ｍａｄｅ               ｗｅａｋ               ａｔｔｅｍｐｔｓ.

Ｉ               ｔａｌｋｅｄ               ｗｉｔｈ               ｔｈｅ               Ｄｅａｎ               ｏｆ               Ｆａｃｕｌｔｙ,               ｗｉｔｈ               ｔｈｅ               Ｈｅａｄ               ｏｆ               ｔｈｅ               Ｂｕｓｉｎｅｓｓ               Ｐｒｏｇｒａｍｓ.

Ｉ               ｓａｔ               ｉｎ               ｔｈｅｉｒ               ｏｆｆｉｃｅｓ,               ｓａｉｄ               Ｉ               ｗａｓ               "ｂｏｔｈｅｒｅｄ"               ｔｈａｔ               ｗｅ               ｗｅｒｅ               ｏｆｆｅｒｉｎｇ               ｓｔｕｄｅｎｔｓ               ｃｏｕｒｓｅｓ               ｔｈａｔ               ｔｒａｎｓｆｅｒｒｅｄ               ｎｏｗｈｅｒｅ.

Ｗｅ               ｍｅｒｅｌｙ               ｌｅｆｔ               ｔｈｅｍ               ｄａｎｇｌｉｎｇ               ａｔ               ｔｈｅ               ｅｎｄ               ｏｆ               ａ               $30,000               ｔｈｒｅａｄ               ｗｉｔｈ               ｎｏ               ｐｒｏｓｐｅｃｔｓ               ｏｆ               ａ               ｄｅｃｅｎｔ               ｊｏｂ               ｔｏ               ｐａｙ               ｔｈｅｉｒ               ｍａｓｓｉｖｅ               ｓｔｕｄｅｎｔ               ｌｏａｎｓ.
               Ｉ               ｓｈｏｕｌｄ               ｈａｖｅ               ｐｅｒｓｉｓｔｅｄ.

Ｋｅｐｔ               ｄｉｇｇｉｎｇ,               ｋｅｐｔ               ｐｅｓｔｅｒｉｎｇ.

Ｂｕｔ               ｅｖｅｒｙ               ｃｏｎｖｅｒｓａｔｉｏｎ               ｗｉｔｈ               ａｎｙｏｎｅ               ｉｎ               ａｎｙ               ｐｏｓｉｔｉｏｎ               ｏｆ               ａｕｔｈｏｒｉｔｙ               ｅｎｄｅｄ               ｗｉｔｈ               "Ｗｅ               ａｒｅ               ｗｏｒｋｉｎｇ               ｏｎ               ｇｅｔｔｉｎｇ               ｃｏｕｒｓｅｓ               ａｃｃｒｅｄｉｔｅｄ               ｆｏｒ               ｔｒａｎｓｆｅｒ."
               Ｉｎ               ｍｙ               ｏｖｅｒ               ｔｈｒｅｅ               ｙｅａｒｓ               ａｔ               ＭＳＢ,               ｔｈａｔ               ｂｅｃａｍｅ               ｔｈｅ               ｓｔａｎｄａｒｄ               ａｎｓｗｅｒ               ａｎｄ               Ｉ               ａｃｃｅｐｔｅｄ               ｉｔ.

Ｙｅｔ,               ｗｈｉｌｅ               ｔｈｅｙ               "ｗｅｒｅ               ｗｏｒｋｉｎｇ               ｏｎ               ｉｔ",               ｔｈｅｙ               ｈａｄ               ｎｏ               ｐｒｏｂｌｅｍ               ｃｈａｒｇｉｎｇ               ｓｔｕｄｅｎｔｓ               ｏｖｅｒ               $300               ａ               ｃｒｅｄｉｔ               ｈｏｕｒ               ｆｏｒ               ｃｏｕｒｓｅｓ               ｔｈａｔ               ｗｏｕｌｄ               ｎｏｔ               ｔｒａｎｓｆｅｒ.
               Ａｌｌ               ｉｔ               ｔａｋｅｓ               ｉｓ               ｅｎｏｕｇｈ               ｇｏｏｄ               ｍｅｎ               ｔｏ               ｄｏ               ｎｏｔｈｉｎｇ               ….
               Ｂｕｔ               Ｉ               ｄｉｇｒｅｓｓ.

Ｌｅｔ'ｓ               ｌｏｏｋ               ａｇａｉｎ               ａｔ               ｗｈｙ               ｓｔｕｄｅｎｔｓ               ａｒｅ               ｓｔｕｃｋ               ｗｉｔｈ               ｃｏｕｒｓｅｓ               ｔｈａｔ               ｄｏｎ'ｔ               ｔｒａｎｓｆｅｒ.
               Ｂｒｕｇｇｅ,               ｗｉｔｈ               ｔｈｅ               Ｕｎｉｖｅｒｓｉｔｙ               ｏｆ               Ｍｉｎｎｅｓｏｔａ,               ｐｉｎｐｏｉｎｔｅｄ               ａｎｏｔｈｅｒ               ｒｅａｓｏｎ               ｗｈｙ               ＭＳＢ               ｃｒｅｄｉｔｓ               ｄｏｎ'ｔ               ｔｒａｎｓｆｅｒ.

ＭＳＢ               ｃｏｕｒｓｅｓ               ａｒｅ               ｂｅｉｎｇ               ｔａｕｇｈｔ               ｂｙ               ｕｎａｃｃｒｅｄｉｔｅｄ               ｆａｃｕｌｔｙ
               Ｉ               ｗａｓ               ｏｎｅ               ｏｆ               ｔｈｏｓｅ               ｆａｃｕｌｔｙ
               Ｉ               ｓｈｏｕｌｄ               ｈａｖｅ               ｓｕｓｐｅｃｔｅｄ               ｔｈａｔ               ｓｏｍｅｔｈｉｎｇ               ｗａｓ               ａｍｉｓｓ,               ｗｈｅｎ               Ｍｉｎｎｅｓｏｔａ               Ｓｃｈｏｏｌ               ｏｆ               Ｂｕｓｉｎｅｓｓ               ｈｉｒｅｄ               ｍｅ               ｔｏ               ｔｅａｃｈ               ｍａｔｈ,               ｂｕｔ               Ｉ               ｈａｖｅ               ｎｏ               ｃｏｌｌｅｇｅ               ｍａｔｈ               ｃｒｅｄｉｔｓ               ａｎｄ               Ｉ               ｌａｓｔ               ｔｏｏｋ               ａ               ｍａｔｈ               ｃｌａｓｓ               ｉｎ               ｈｉｇｈ               ｓｃｈｏｏｌ               ｏｖｅｒ               30               ｙｅａｒｓ               ａｇｏ.

Ａｎｄ,               ｂａｒｅｌｙ               ｐａｓｓｅｄ               ｉｔ.


               Ｙｅｔ,               ｔｈｅｒｅ               Ｉ               ｗａｓ,               ｔｅａｃｈｉｎｇ               ｃｌａｓｓ               ａｆｔｅｒ               ｃｌａｓｓ               ｏｆ               Ｆｕｎｄａｍｅｎｔａｌ               Ｍａｔｈ,               ａｔ               ｎｏｔ               ｏｎｅ               ｃａｍｐｕｓ,               ｂｕｔ               ｓｅｖｅｒａｌ.
               Ｉｔ               ｇｏｔ               ｗｏｒｓｅ.

Ｉ               ｔａｕｇｈｔ               Ｉｎｔｅｒｐｅｒｓｏｎａｌ               Ｒｅｌａｔｉｏｎｓ               .

Ｔｈｉｓ               ｗａｓ               ｆｒｉｇｈｔｅｎｉｎｇ               ａｓ               Ｉ               ｏｎｌｙ               ｔｏｏｋ               ｏｎｅ               ｐｓｙｃｈｏｌｏｇｙ               ｃｏｕｒｓｅ               ｉｎ               ｃｏｌｌｅｇｅ               ａｎｄ               ｅａｒｎｅｄ               ａ               Ｄ               ｉｎ               ｉｔ.
               Ａｎｄ               ｔｈｅｎ               ,               ａｌｌ               ｏｆ               ａ               ｓｕｄｄｅｎ,               Ｉ               ｗａｓ               ｔｅａｃｈｉｎｇ               Ｂｕｓｉｎｅｓｓ!

Ｉ               ｗａｓ               ｍｕｌｔｉ-ｔａｌｅｎｔｅｄ.

Ｑｕａｒｔｅｒ               ａｆｔｅｒ               ｑｕａｒｔｅｒ,               Ｉ               ｔａｕｇｈｔ               Ｍａｒｋｅｔｉｎｇ,               Ｓｍａｌｌ               Ｂｕｓｉｎｅｓｓ               Ｍａｎａｇｅｍｅｎｔ,               Ｉｎｔｒｏｄｕｃｔｉｏｎ               ｔｏ               Ｂｕｓｉｎｅｓｓ,               Ａｄｖｅｒｔｉｓｉｎｇ,               Ｃｏｎｓｕｍｅｒ               Ｂｅｈａｖｉｏｒ,               Ｓｔｒａｔｅｇｉｃ               Ｍａｒｋｅｔｉｎｇ               -               ｈｅｃｋ               Ｉ               ｗａｓ               ａ               ｓｅｃｏｎｄ               Ｄｏｎａｌｄ               Ｔｒｕｍｐ.

Ｉ               ｔａｕｇｈｔ               ａ               ｖａｓｔ               ａｒｒａｙ               ｏｆ               ｂｕｓｉｎｅｓｓ               ｃｏｕｒｓｅｓ.
               Ｙｏｕ               ｇｕｅｓｓｅｄ               ｉｔ.

Ｉ               ｈａｄ               ｎｏ               ａｃａｄｅｍｉｃ               ｔｒａｉｎｉｎｇ               ｉｎ               ｂｕｓｉｎｅｓｓ.

Ｎｏ               ＭＢＡ.

Ｉ               ｔｏｏｋ               ｔｗｏ               ｂａｓｉｃ               ｂｕｓｉｎｅｓｓ               ｃｏｕｒｓｅｓ               ｉｎ               ｃｏｌｌｅｇｅ               ａｎｄ               ｂａｉｌｅｄ               ｏｕｔ               ａｓ               ｓｏｏｎ               ａｓ               Ｉ               ｃｏｕｌｄ.

Ｉｔ               ｗａｓ               ａｍａｚｉｎｇ               ｔｈａｔ               Ｉ               ｃｏｕｌｄ               ｔｅａｃｈ               ｓｕｃｈ               ａ               ｖａｒｉｅｔｙ               ｏｆ               ｃｏｕｒｓｅｓ               ｗｉｔｈ               ａｎ               ＭＦＡ               ｉｎ               ｃｒｅａｔｉｖｅ               ｗｒｉｔｉｎｇ.
               Ｉ               ｅｖｅｎ               ｗｅｎｔ               ｔｏ               ｔｈｅ               Ｄｅａｎ               ｏｆ               Ｆａｃｕｌｔｙ.

Ｇａｖｅ               ｈｅｒ               ａ               ｃｏｐｙ               ｏｆ               ｏｎｅ               ｏｆ               ｍｙ               ｂｏｏｋｓ.

Ｈｏｗ               ｔｏ               Ｗｒｉｔｅ               ａ               Ｄａｍｎ               Ｇｏｏｄ               Ｓｐｅｅｃｈ.

Ｉ               ｓａｉｄ               "               Ｈｅｙ,               Ｉ               ｗａｓ               ａ               ｃｏｒｐｏｒａｔｅ               ｓｐｅｅｃｈｗｒｉｔｅｒ.

Ｉ               ｈａｖｅ               ｗｒｉｔｔｅｎ               ｂｏｏｋｓ               ｏｎ               ｂｕｓｉｎｅｓｓ               ｃｏｍｍｕｎｉｃａｔｉｏｎ.

Ｉ               ｃａｎ               ｔｅａｃｈ               ｃｏｍｍｕｎｉｃａｔｉｏｎｓ."
               Ｂｕｔ               ｔｈａｔ'ｓ               ｎｏｔ               ｈｏｗ               ｔｈｅ               ｓｙｓｔｅｍ               ｗｏｒｋｅｄ.

Ｔｈｅｙ               ｈａｄ               ａ               ｌａｗｙｅｒ               ｔｅａｃｈｉｎｇ               ｂｕｓｉｎｅｓｓ               ｍａｔｈ,               ｔｈｅｙ               ｈａｄ               ｍｅ               ｔｅａｃｈｉｎｇ               Ｍａｔｈ               ａｎｄ               Ｂｕｓｉｎｅｓｓ,               ｔｈｅｙ               ｈａｄ               ｗｏｍｅｎ               ｗｉｔｈ               ｄｅｇｒｅｅｓ               ｉｎ               ｐｏｅｔｒｙ               ｔｅａｃｈｉｎｇ               Ｂｕｓｉｎｅｓｓ               Ｃｏｍｍｕｎｉｃａｔｉｏｎｓ.

Ｉｔ               ｇｏｔ               ｗｏｒｓｅ,               ｓｔｕｄｅｎｔｓ               ｃｈｅｃｋｅｄ               ｔｈｅ               Ｂｉｏｌｏｇｙ'ｓ               ｉｎｓｔｒｕｃｔｏｒ               ｃｒｅｄｅｎｔｉａｌｓ.

Ｓｈｅ               ｈａｄ               ｎｏ               ｃｏｌｌｅｇｅ               ｄｅｇｒｅｅ               ａｎｄ               ｃｅｒｔａｉｎｌｙ               ｎｏ               ｇｒａｄｕａｔｅ               ｄｅｇｒｅｅ               ｉｎ               ｂｉｏｌｏｇｙ.
               Ｙｅｔ               ｐｒｏｇｒａｍｓ               ａｔ               ＭＳＢ               ｋｅｐｔ               ｇｅｔｔｉｎｇ               ａｃｃｒｅｄｉｔｅｄ.
               Ｈｏｗ?

Ａｎ               ｅｘ-ｅｍｐｌｏｙｅｅ               ｃｏｎｆｅｓｓｅｄ               ｔｏ               ｍｅ.

"Ｉｔ               ｗａｓ               ｂｌａｔａｎｔ.

Ｉ               ｌｉｅｄ               ｍｙ               ｈｅａｄ               ｏｆｆ               ｔｏ               ｔｈｅ               ａｃｃｒｅｄｉｔｉｎｇ               ｃｏｍｍｉｔｔｅｅ."
               Ａｎｄ               ａｐｐａｒｅｎｔｌｙ,               ｓｔｕｄｅｎｔｓ               ａｒｅ               ｗａｒｎｅｄ               ａｗａｙ               ｆｒｏｍ               ｔａｌｋｉｎｇ               ｔｏ               ｔｈｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｃｏｍｍｉｔｔｅｅｓ.
               "Ｔｈｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｐｅｏｐｌｅ               ｃａｍｅ               ａｔ               ｔｈｅ               ｂｅｇｉｎｎｉｎｇ               ｏｆ               ｔｈｅ               ｑｕａｒｔｅｒ",               ａ               ｓｔｕｄｅｎｔ               ｒｅｍｅｍｂｅｒｓ.

"Ｌｉｎｄａ               Ｆ.

ｗａｓ               ｏｎ               ａ               ｍｉｓｓｉｏｎ               ｔｈｅ               ｗｅｅｋ               ｂｅｆｏｒｅ!!!

Ｓｈｅ               ｃａｍｅ               ｉｎｔｏ               ｏｕｒ               ｃｌａｓｓ               ａｎｄ               ｔａｌｋｅｄ               ｔｏ               ｕｓ               ｌｉｋｅ               ｗｅ               ｗｅｒｅ               ａ               ｂｕｎｃｈ               ｏｆ               ｒｅｔａｒｄｓ.

Ｓｈｅ               ｔｒｉｅｄ               ｔｏ               ｍａｋｅ               ｓｕｒｅ               ｔｈａｔ               ｉｆ               ｗｅ               ｈａｄ               ａｎｙ               ｉｓｓｕｅｓ               ｗｉｔｈ               ｔｈｅ               ｓｃｈｏｏｌ               ｔｈａｔ               ｗｅ               ｗｏｕｌｄｎ'ｔ               ｔａｌｋ               ｔｏ               ｔｈｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｐｅｏｐｌｅ.

Ｓｈｅ               ｆｅｄ               ｕｓ               ｔｈｅ               ｂｉｇｇｅｓｔ               ｌｏａｄ               ｏｆ               ＢＳ               Ｉ               ｈａｖｅ               ｅｖｅｒ               ｓｅｅｎ               ａｔ               ｔｈａｔ               ｓｃｈｏｏｌ.

"
               Ａｎｄ               ｔｈｅ               ｌｉｅｓ               ａｐｐａｒｅｎｔｌｙ               ｗｅｒｅ               ｔｏｌｄ               ｔｏ               ｓｔｕｄｅｎｔｓ               ａｎｄ               ｔｈｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｃｏｍｍｉｔｔｅｅｓ.
               Ａｎｏｔｈｅｒ               ｅｘ-ｅｍｐｌｏｙｅｅ               ｓａｉｄ,               "Ｗｅ               ｔｏｌｄ               ｓｔｕｄｅｎｔｓ               ａｎｄ               ｔｈｅ               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｃｏｍｍｉｔｔｅｅ               ｔｈｅｒｅ               ｗｏｕｌｄ               ｂｅ               ａ               ｆｕｌｌ-ｆｌｅｄｇｅｄ               Ｖｅｔ               Ｔｅｃｈ               ｐｒｏｇｒａｍ               ａｔ               ｔｈｅ               ＭＳＢ               Ｒｉｃｈｆｉｅｌｄ               Ｃａｍｐｕｓ.

Ｗｅ               ｋｎｅｗ               ｔｈｅｒｅ               ｎｅｖｅｒ               ｗｏｕｌｄ               ｂｅ.
               "Ｗｅ               ｋｎｅｗ               ｔｈａｔ               ｗａｓ               ａ               ｌｉｅ.

Ｉｎ               ｆａｃｔ,               Ｒｉｃｈｆｉｅｌｄ               ｄｏｅｓ               ｎｏｔ               ｅｖｅｎ               ｏｆｆｅｒ               ａ               Ｖｅｔ               Ｔｅｃｈ               ｐｒｏｇｒａｍ               ａｎｙｍｏｒｅ."
               Ｕｎａｃｃｒｅｄｉｔｅｄ               ｔｅａｃｈｅｒｓ,               ｃｒｅｄｉｔｓ               ｔｈａｔ               ｄｏｎ'ｔ               ｔｒａｎｓｆｅｒ,               ｓｔｕｄｅｎｔｓ               ｍｉｒｅｄ               ｉｎ               ｄｅｂｔ,               ａｃｃｒｅｄｉｔａｔｉｏｎ               ｃｏｍｍｉｔｔｅｅｓ               ａｎｄ               ｓｔｕｄｅｎｔｓ               ｌｉｅｄ               ｔｏ,               ｐｒｏｓｐｅｃｔｉｖｅ               ｓｔｕｄｅｎｔｓ               ｌｉｅｄ               ｔｏ.

Ａｎｄ               ｍｅａｎｗｈｉｌｅ,               Ｔｅｒｒｙ               Ｍｙｈｒｅ               ｍｅｒｒｉｌｙ               ｂｕｉｌｄｓ               ａ               ｆｉｎａｎｃｉａｌ               ｅｍｐｉｒｅ               ｏｆｆ               ｔｈｅ               ｂａｃｋ               ｏｆ               ｓｔｕｄｅｎｔｓ               ａｎｄ               ｔｈｅ               ｌｏａｎｓ               ｔｈｅｙ               ｇｅｔ               ｓｔｕｃｋ               ｗｉｔｈ.
               Ｗｈａｔ               ｗａｓ               Ｉ               ｔｈｉｎｋｉｎｇ               ?

Ｗｈｙ               ｗｏｕｌｄ               Ｉ               ｐａｒｔｉｃｉｐａｔｅ               ｉｎ               ｔｈａｔ?

Ｙｅｔ,               Ｉ               ｄｉｄ.
               Ｉｔ               ｉｓ               ａｌｌ               ｖｅｒｙ               ｓａｄ               ｗｈｅｎ               ｙｏｕ               ｃｏｎｓｉｄｅｒ               ＭＳＢ'ｓ               ｓｌｏｇａｎ.

Ｂｒｉｇｈｔ               ｆｕｔｕｒｅｓ               ｓｔａｒｔ               ｈｅｒｅ.

Ｉｆ               ｏｎｌｙ               ｔｈｅｙ               ｄｉｄ.






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