About 'debt collecting software'|Fears of Renewed Debt Clampdown

Ｔｈｅ               ｃｕｒｒｅｎｔ               ｅｃｏｎｏｍｉｃ               ｃｒｉｓｉｓ               ｍａｙ               ｓｅｅｍ               ａｂｓｔｒａｃｔ               ａｎｄ               ｄｉｓｔａｎｔ               ｔｏ               ｓｏｍｅ,               ｂｕｔ               ｉｔ               ｃａｎｎｏｔ               ｂｅ               ｍｏｒｅ               ｉｍｍｅｄｉａｔｅ               ａｎｄ               ｐｒｅｓｓｉｎｇ               ｆｏｒ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｉｎ               ｔｈｅｉｒ               ｅａｒｌｙ               ｔｗｅｎｔｉｅｓ.

Ｉｎｄｅｅｄ,               ｏｎｅ               ｏｆ               ｔｈｅ               ｇｒｅａｔｅｓｔ               ｉｎｊｕｓｔｉｃｅｓ               ｔｏ               ｃｏｍｅ               ｏｕｔ               ｏｆ               ｔｈｉｓ               ｃｒｉｓｉｓ               ｉｓ               ｔｈａｔ               ｉｔｓ               ｈｅａｖｉｅｓｔ               ｂｕｒｄｅｎｓ               ａｒｅ               ｂｅｉｎｇ               ｉｍｐｏｓｅｄ               ｕｐｏｎ               ｉｎｄｉｖｉｄｕａｌｓ               ｗｈｏ               ｄｉｄ               ａｂｓｏｌｕｔｅｌｙ               ｎｏｔｈｉｎｇ               ｔｏ               ｂｒｉｎｇ               ｉｔ               ａｂｏｕｔ               -               ｂｙ               ａｎｙ               ｔｈｅｏｒｙ               ｏｒ               ａｒｇｕｍｅｎｔ.

Ｉｎ               ｐａｒｔｉｃｕｌａｒ,               ｔｈｅ               ｇｒａｄｕａｔｉｎｇ               ｃｌａｓｓｅｓ               ｏｆ               2009               ａｎｄ               2010               ｈａｖｅ               ｂｅｅｎ               ｐｕｎｉｓｈｅｄ               ｂｙ               ｔｈｉｓ               ｃｒｉｓｉｓ               ｆｏｒ               ａｂｓｏｌｕｔｅｌｙ               ｎｏ               ｆａｕｌｔ               ｏｆ               ｔｈｅｉｒ               ｏｗｎ.

Ｉｎ               ｔｈｉｓ               ａｒｔｉｃｌｅ,               Ｉ               ｈｏｐｅ               ｔｏ               ｃｏｎｖｅｙ               ｓｏｍｅ               ｕｎｄｅｒｓｔａｎｄｉｎｇ               ｏｆ               ｔｈｅ               ｅｘｐｅｒｉｅｎｃｅｓ               ｆａｃｅｄ               ｂｙ               ｔｈｉｓ               ｇｒｏｕｐ               ｏｆ               ｐｅｏｐｌｅ,               ｗｈｏ               ｈａｖｅ               ｂｅｅｎ               ｍａｒｇｉｎａｌｉｚｅｄ               ａｎｄ               ｏｖｅｒｌｏｏｋｅｄ               ｂｙ               ｖｉｒｔｕａｌｌｙ               ａｌｌ               ｏｆ               ｔｈｅ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｔｈａｔ               ｕｎｆｏｒｔｕｎａｔｅｌｙ               ｓｔｉｌｌ               ｄｏｍｉｎａｔｅ               ｃｏｎｔｅｍｐｏｒａｒｙ               ｓｏｃｉｅｔｙ.

Ｉ               ｗｉｌｌ               ａｌｓｏ               ａｒｇｕｅ               ｔｈａｔ               ｉｎｔｅｎｓｅ               ａｎｇｅｒ               ｉｓ               ｗａｒｒａｎｔｅｄ               ａｍｏｎｇ               ｙｏｕｎｇ               ｐｅｏｐｌｅ,               ｂｕｔ               ｔｈａｔ               ｔｈｉｓ               ａｎｇｅｒ               ｓｈｏｕｌｄ               ｂｅ               ｃｏｎｓｔｒｕｃｔｉｖｅｌｙ               ｃｈａｎｎｅｌｅｄ               ｉｎｔｏ               ｃｏｍｐｒｅｈｅｎｓｉｖｅｌｙ               ｒｅｆｏｒｍｉｎｇ               ｃｏｎｔｅｍｐｏｒａｒｙ               ｓｏｃｉｅｔｙ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｈｅａｖｙ               ｕｓｅ               ｏｆ               ｔｅｃｈｎｏｌｏｇｙ               ａｎｄ               ｓｐｏｎｔａｎｅｏｕｓｌｙ               ｅｍｅｒｇｉｎｇ,               "ｂｏｔｔｏｍ-ｕｐ"               ｉｎｓｔｉｔｕｔｉｏｎｓ.

Ｉ               ｗｒｉｔｅ               ａｓ               ａ               ｍｅｍｂｅｒ               ｏｆ               ｔｈｅ               ｃｏｌｌｅｇｅ               ｇｒａｄｕａｔｉｎｇ               ｃｌａｓｓ               ｏｆ               2009               ｗｈｏ,               ｔｏ               ｄａｔｅ,               ｈａｓ               ｅｓｃａｐｅｄ               ｔｈｅ               ｗｏｒｓｔ               ｅｆｆｅｃｔｓ               ｏｆ               ｔｈｅ               ｃｒｉｓｉｓ.

Ｉ               ｈａｖｅ               ａ               ｊｏｂ               ｗｉｔｈ               ｄｅｃｅｎｔ               ｐａｙ               ａｎｄ               ｗｏｒｋｉｎｇ               ｃｏｎｄｉｔｉｏｎｓ;               Ｉ               ａｍ               ｍａｒｒｉｅｄ               ａｎｄ               ｏｗｎ               ａ               ｈｏｕｓｅ               (ｇｅｔｔｉｎｇ               ｔｈｅ               ｈｏｕｓｅ               ｗａｓ               ｑｕｉｔｅ               ａｎ               ｏｒｄｅａｌ,               ｂｕｔ               ｍｏｒｅ               ｏｎ               ｔｈａｔ               ｌａｔｅｒ).

Ｉ               ｈａｖｅ               ｍａｎａｇｅｄ               ｔｏ               ｃｒｅａｔｅ               ａ               ｇｏｏｄ               ｌｉｆｅ               ｆｏｒ               ｍｙｓｅｌｆ               ｄｅｓｐｉｔｅ               ｔｈｅ               ｃｒｉｓｉｓ,               ｂｕｔ               ｍａｎｙ               ｏｆ               ｍｙ               ｐｅｅｒｓ               -               ｉｎｃｌｕｄｉｎｇ               ｔｈｅ               ｈｉｇｈｌｙ               ｄｅｓｅｒｖｉｎｇ               ｏｎｅｓ               -               ａｒｅ               ｎｏｔ               ｓｏ               ｆｏｒｔｕｎａｔｅ.

Ａｎｄ               ｃｅｒｔａｉｎｌｙ,               ｔｈｅ               ｓｔｒｕｇｇｌｅ               Ｉ               ｐｅｒｓｏｎａｌｌｙ               ｕｎｄｅｒｗｅｎｔ               ｔｏ               ｉｎｔｒｏｄｕｃｅ               ｔｈｅ               ｌｅａｓｔ               ｂｉｔ               ｏｆ               ｓｔａｂｉｌｉｔｙ               ａｎｄ               ｐｒｏｓｐｅｒｉｔｙ               ｔｏ               ｍｙ               ｃｏｎｄｉｔｉｏｎ               ｗａｓ               ｃｏｎｓｉｄｅｒａｂｌｅ.

Ｈｅｒｅ,               Ｉ               ｗｉｌｌ               ｆｏｃｕｓ               ｏｎ               ｓｏｍｅ               ｏｆ               ｍｙ               ｅｘｐｅｒｉｅｎｃｅｓ               ｄｕｒｉｎｇ               ｔｈｉｓ               ｃｒｉｓｉｓ,               ｔｏ               ｃｏｎｖｅｙ               ａｎ               ｉｍｐｒｅｓｓｉｏｎ               ｏｆ               ｗｈａｔ               ｅｖｅｎ               ｉｔｓ               ｍｉｌｄ               ｅｆｆｅｃｔｓ               ｏｎ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ａｒｅ               ｌｉｋｅ.

Ｈｏｗｅｖｅｒ,               Ｉ               ｗｉｌｌ               ａｌｓｏ               ｇｅｎｅｒａｌｉｚｅ               ｂｅｙｏｎｄ               ｍｙ               ｏｗｎ               ｅｘｐｅｒｉｅｎｃｅｓ               ｏｎ               ｔｈｅ               ｂａｓｉｓ               ｏｆ               ｂｏｔｈ               ｂｒｏａｄ               ａｎｄ               ｐａｒｔｉｃｕｌａｒ               ｏｂｓｅｒｖａｔｉｏｎｓ               ｔｈａｔ               Ｉ               ｈａｖｅ               ｈａｄ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｔｏ               ｍａｋｅ               ｔｈｅｓｅ               ｐａｓｔ               ｔｗｏ               ｙｅａｒｓ.

Ｆｏｒ               ｒｅｓｐｏｎｓｉｂｌｅ               ａｎｄ               ｍｅｒｉｔｏｒｉｏｕｓ               ｍｅｍｂｅｒｓ               ｏｆ               ｍｙ               ｇｅｎｅｒａｔｉｏｎ,               ｔｈｅ               ｃｒｉｓｉｓ               ｈａｓ               ｂｒｏｕｇｈｔ               ａｂｏｕｔ               ｔｈｅ               ｋｉｎｄｓ               ｏｆ               ｓｔｒｕｇｇｌｅｓ               ｔｈａｔ               ｔｈｅｙ               ｔｈｏｕｇｈｔ               ｃｏｕｌｄ               ｂｅ               ａｖｏｉｄｅｄ               ｂｙ               ｓｕｆｆｉｃｉｅｎｔ               ｈａｒｄ               ｗｏｒｋ               ａｎｄ               ｌｅａｒｎｉｎｇ.

Ｉｎｄｅｅｄ,               ｉｔ               ｉｓ               ｕｎｄｅｎｉａｂｌｅ               ｔｈａｔ               ｔｈｅ               ｆｕｔｕｒｅ               ｏｆ               ｖｉｒｔｕａｌｌｙ               ｅｖｅｒｙ               ｙｏｕｎｇ               ｐｅｒｓｏｎ               ｔｏｄａｙ               ｈａｎｇｓ               ｏｎ               ａ               ｐｒｅｃｉｐｉｃｅ               ｄｕｅ               ｔｏ               ａｄｖｅｒｓｅ               ｐｏｌｉｔｉｃａｌ               ａｎｄ               ｍａｃｒｏｅｃｏｎｏｍｉｃ               ｄｅｖｅｌｏｐｍｅｎｔｓ.
               Ｕｎｅｍｐｌｏｙｍｅｎｔ,               Ｕｎｄｅｒｅｍｐｌｏｙｍｅｎｔ,               ａｎｄ               ｔｈｅ               Ｃｏｍｐｌｅｔｅ               Ｄｅｖａｌｕａｔｉｏｎ               ｏｆ               Ｃｏｌｌｅｇｅ               Ｅｄｕｃａｔｉｏｎ
               Ｏｎｅ               ｉｍｐｏｒｔａｎｔ               ｓｈｉｆｔ               ｏｖｅｒ               ｔｈｅ               ｐａｓｔ               ｔｗｏ               ｙｅａｒｓ               ｈａｓ               ｂｅｅｎ               ｗｉｔｈ               ｒｅｇａｒｄ               ｔｏ               ｔｈｅ               ｄｅｇｒｅｅ               -               ｏｒ               ｌａｃｋ               ｔｈｅｒｅｏｆ               -               ｔｏ               ｗｈｉｃｈ               ａ               ｃｏｌｌｅｇｅ               ｅｄｕｃａｔｉｏｎ               ｉｓ               ｖａｌｕａｂｌｅ               ｆｏｒ               ａ               ｙｏｕｎｇ               ｐｅｒｓｏｎ'ｓ               ｅｍｐｌｏｙｍｅｎｔ               ｐｒｏｓｐｅｃｔｓ.

Ｔｗｏ               ｇｅｎｅｒａｔｉｏｎｓ               ａｇｏ,               ａ               ｃｏｌｌｅｇｅ               ｄｅｇｒｅｅ               ｗａｓ               ａ               ｖｉｒｔｕａｌ               ｇｕａｒａｎｔｅｅ               ｏｆ               ａ               ｃｏｍｆｏｒｔａｂｌｅ,               ｗｅｌｌ-ｐａｙｉｎｇ               ｏｆｆｉｃｅ               ｊｏｂ               ｆｏｒ               ａｓ               ｌｏｎｇ               ａｓ               ｏｎｅ               ｗａｎｔｅｄ               ｉｔ.

Ｏｎｅ               ｇｅｎｅｒａｔｉｏｎ               ａｇｏ,               ｏｎｅ'ｓ               ｐｒｏｓｐｅｃｔｓ               ｆｏｒ               ｓｕｃｈ               ａ               ｊｏｂ               ｏｕｔ               ｏｆ               ｃｏｌｌｅｇｅ               ｗｅｒｅ               ｓｔｉｌｌ               ｇｏｏｄ,               ｐｒｏｖｉｄｅｄ               ｔｈａｔ               ｏｎｅ               ｐｅｒｆｏｒｍｅｄ               ｗｅｌｌ               ｉｎ               ｃｏｌｌｅｇｅ               ａｎｄ               ｒｅｃｅｉｖｅｄ               ｏｎｅ'ｓ               ｄｅｇｒｅｅ               ｉｎ               ａ               ｒｅｍｕｎｅｒａｔｉｖｅ               ｆｉｅｌｄ.

Ｔｈｉｓ               ｗａｓ               ｔｈｅ               ｅｘｐｅｃｔａｔｉｏｎ               ｗｉｔｈ               ｗｈｉｃｈ               ｔｈｅ               ｐｒｅｓｅｎｔ               ｇｅｎｅｒａｔｉｏｎ               ｏｆ               ｇｒａｄｕａｔｅｓ               ｗａｓ               ｒａｉｓｅｄ.

Ｈｏｗｅｖｅｒ,               ｅｖｅｎ               ｂｅｆｏｒｅ               ｔｈｅ               ｐｒｅｓｅｎｔ               ｃｒｉｓｉｓ,               ａ               ｂａｃｈｅｌｏｒ'ｓ               ｄｅｇｒｅｅ               ｈａｄ               ｂｅｃｏｍｅ               ｄｅｖａｌｕｅｄ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｃｏｎｓｉｄｅｒａｂｌｅ               ｉｎｃｒｅａｓｅ               ｉｎ               ｔｈｅ               ｎｕｍｂｅｒ               ｏｆ               ｐｅｏｐｌｅ               ｓｅｅｋｉｎｇ               ａｎｄ               ｒｅｃｅｉｖｉｎｇ               ｉｔ.

Ｍａｎｙ               ｐｅｏｐｌｅ               ｈａｄ               ｂｅｅｎ               ｉｎｃｅｎｔｉｖｉｚｅｄ               ｂｙ               ｅｘｔｅｎｓｉｖｅ               ｆｅｄｅｒａｌ               ｓｕｂｓｉｄｉｅｓ               ｔｏ               ｓｅｅｋ               "ｅｄｕｃａｔｉｏｎｓ"               ｆｏｒ               ｗｈｉｃｈ               ｔｈｅｙ               ｈａｄ               ｎｅｉｔｈｅｒ               ｔｈｅ               ｉｎｃｌｉｎａｔｉｏｎ               ｎｏｒ,               ｐｅｒｈａｐｓ,               ｔｈｅ               ｍｅｒｉｔ.

Ｃｏｌｌｅｇｅｓ               ｒｅｓｐｏｎｄｅｄ               ｗｉｔｈ               ａｓｔｒｏｎｏｍｉｃａｌ               ｅｓｃａｌａｔｉｏｎｓ               ｏｆ               ｔｕｉｔｉｏｎ               (ｓｉｎｃｅ               ｄｅｍａｎｄ               ｉｎｃｒｅａｓｅｄ               ａｎｄ               ｔｈｅｙ               ｆｉｇｕｒｅｄ               ｔｈｅ               ｆｅｄｅｒａｌｌｙ               ａｉｄｅｄ               ｓｔｕｄｅｎｔｓ               ｃｏｕｌｄ               ａｆｆｏｒｄ               ｉｔ),               ｌｏｗｅｒｉｎｇ               ｏｆ               ａｃａｄｅｍｉｃ               ｓｔａｎｄａｒｄｓ,               ａｎｄ               ｇｒｅａｔｅｒ               ｔｏｌｅｒａｎｃｅ               ｔｏｗａｒｄ               ｔｈｅ               "ｐａｒｔｙ               ｓｃｈｏｏｌ"               ａｔｍｏｓｐｈｅｒｅ.

Ｉｔ               ｂｅｃａｍｅ               ｄｉｆｆｉｃｕｌｔ               ｆｏｒ               ｅｍｐｌｏｙｅｒｓ               ｔｏ               ｅｓｔａｂｌｉｓｈ               ｗｈｏｓｅ               ｂａｃｈｅｌｏｒ'ｓ               ｄｅｇｒｅｅ               ｗａｓ               ａ               ｖａｌｉｄ               ｓｉｇｎａｌｉｎｇ               ｍｅｃｈａｎｉｓｍ               ｆｏｒ               ｍｅｒｉｔ,               ａｎｄ               ｗｈｏｓｅ               ｗａｓ               ａ               ｊｏｋｅ.
               Ｎｏｗ,               ｈｏｗｅｖｅｒ,               ａ               ｂａｃｈｅｌｏｒ'ｓ               ｄｅｇｒｅｅ               ｂｙ               ｉｔｓｅｌｆ               -               ｅｖｅｎ               ｆｒｏｍ               ａ               ｐｒｉｖａｔｅ               ｃｏｌｌｅｇｅ               ｗｉｔｈ               ｒｉｇｏｒｏｕｓ               ｓｔａｎｄａｒｄｓ               -               ｗｉｌｌ               ｎｏｔ               ｅａｒｎ               ｅｖｅｎ               ａ               ｊｏｂ               ａｔ               ａ               ｆａｓｔ-ｆｏｏｄ               ｒｅｓｔａｕｒａｎｔ.

Ｇｏｏｄ               ｇｒａｄｅｓ               ｈａｖｅ               ａｌｓｏ               ｃｅａｓｅｄ               ｔｏ               ｂｅ               ａ               ｇａｔｅｗａｙ               ｔｏ               ｅｍｐｌｏｙｍｅｎｔ               ｏｒ               ｔｏ               ｍｕｃｈ               ｅｌｓｅ               ｔｈａｔ               ｉｓ               ｒｅｌａｔｅｄ               ｔｏ               ｆｉｎａｎｃｅｓ.

Ｉｎｄｅｅｄ,               Ｉ               ｋｎｏｗ               ｍａｎｙ               ｈｉｇｈ-ｐｅｒｆｏｒｍｉｎｇ               ｓｔｕｄｅｎｔｓ               ｉｎ               ｍｙ               ｇｒａｄｕａｔｉｎｇ               ｃｌａｓｓ               ｗｈｏ,               ｂｅｃａｕｓｅ               ｔｈｅｉｒ               ｏｎｌｙ               "ｏｆｆｉｃｉａｌ"               ｑｕａｌｉｆｉｃａｔｉｏｎｓ               ｗｅｒｅ               ａ               ｂａｃｈｅｌｏｒ'ｓ               ｄｅｇｒｅｅ               ａｎｄ               ｇｏｏｄ               ｇｒａｄｅｓ,               ｅｎｄｅｄ               ｕｐ               ｍｏｖｉｎｇ               ｉｎ               ｗｉｔｈ               ｔｈｅｉｒ               ｐａｒｅｎｔｓ               ａｎｄ               ｒｅｍａｉｎ               ｔｈｅｒｅ               ｔｏ               ｔｈｉｓ               ｄａｙ.

Ｔｈｅ               ｂｅｓｔ               ｓｔｕｄｅｎｔｓ               ａｍｏｎｇ               ｔｈｅ               ｇｒｏｕｐ               ｔｈａｔ               ｒｅｌｉｅｄ               ｏｎ               ｃｏｌｌｅｇｅ               ａｌｏｎｅ               ｈａｖｅ               ｂｅｃｏｍｅ               ｗｏｅｆｕｌｌｙ               ｕｎｄｅｒｅｍｐｌｏｙｅｄ.

Ｉ               ｋｎｅｗ,               ｆｏｒ               ｉｎｓｔａｎｃｅ,               ａ               ｈｉｇｈ-ａｃｈｉｅｖｉｎｇ               Ｅｎｇｌｉｓｈ               ｍａｊｏｒ               ｗｈｏ               ｅｎｄｅｄ               ｕｐ               ｗｏｒｋｉｎｇ               ａｔ               ａ               ｄｒｕｇｓｔｏｒｅ               ｐｈａｒｍａｃｙ               ｆｏｒ               ｍｉｎｉｍｕｍ               ｗａｇｅ               ａｎｄ               ａ               ｐｅｒｃｅｐｔｉｖｅ               ｐｈｉｌｏｓｏｐｈｙ               ｍａｊｏｒ               ｗｈｏ               ｗａｎｄｅｒｅｄ               ａｒｏｕｎｄ               ｄｏｉｎｇ               ｏｄｄ               ｊｏｂｓ,               ｎｏｔ               ｑｕｉｔｅ               ｓｕｒｅ               ｗｈａｔ,               ｉｆ               ａｎｙｔｈｉｎｇ,               ｈｅ               ｗｏｕｌｄ               ｆｉｎｄ               ｆｒｏｍ               ｍｏｎｔｈ               ｔｏ               ｍｏｎｔｈ.

Ｔｈｅ               ｔｒａｇｅｄｙ               ｉｓ               ｃｏｍｐｏｕｎｄｅｄ               ｂｙ               ｔｈｅ               ｆａｃｔ               ｔｈａｔ               ｉｔ               ｉｓ               ｈａｒｄ               ｅｖｅｎ               ｔｏ               ｂｅｃｏｍｅ               ｕｎｄｅｒｅｍｐｌｏｙｅｄ               ｆｏｒ               ｙｏｕｎｇ               ｃｏｌｌｅｇｅ               ｇｒａｄｕａｔｅｓ;               ｍａｎｙ               ｅｍｐｌｏｙｅｒｓ               ｐａｙｉｎｇ               ｎｅａｒ               ｔｈｅ               ｍｉｎｉｍｕｍ               ｗａｇｅ               ｈａｖｅ               ｂｅｇｕｎ               ｔｏ               ｓｎｕｂ               "ｏｖｅｒｑｕａｌｉｆｉｅｄ"               ｃａｎｄｉｄａｔｅｓ,               ｆｏｒ               ｆｅａｒ               ｔｈａｔ               ｔｈｅｓｅ               ｉｎｄｉｖｉｄｕａｌｓ               ｍｉｇｈｔ               ｂｅ               ｄｉｓｓａｔｉｓｆｉｅｄ               ｗｉｔｈ               ｔｈｅ               ｐａｒａｍｅｔｅｒｓ               ｏｆ               ａ               ｓｔａｎｄａｒｄ               ｃｏｎｖｅｎｉｅｎｃｅ-ｓｔｏｒｅ               ｏｒ               ｆａｓｔ-ｆｏｏｄ-ｒｅｓｔａｕｒａｎｔ               ｊｏｂ.

Ｏｔｈｅｒｓ               ｈａｖｅ               ｇｏｎｅ               ｏｎ               ｔｏ               ｇｒａｄｕａｔｅ               ｓｃｈｏｏｌ               ａｎｄ               ｍａｙ               ｂｅ               ｅａｒｎｉｎｇ               ｍｉｎｉｍａｌ               ｓｔｉｐｅｎｄｓ               ｆｏｒ               ｓｅｒｖｉｎｇ               ａｓ               ｔｅａｃｈｉｎｇ               ａｓｓｉｓｔａｎｔｓ               -               ｂｕｔ               ｔｈｉｓ               ｓｉｍｐｌｙ               ｐｕｓｈｅｓ               ｔｈｅｉｒ               ｄｉｌｅｍｍａ               ｂａｃｋ               ａ               ｆｅｗ               ｙｅａｒｓ               ａｎｄ               ｍａｙ               ｅｖｅｎ               ｐｌａｃｅ               ｔｈｅｉｒ               ｆｉｎａｎｃｅｓ               ｉｎ               ｇｒｅａｔｅｒ               ｊｅｏｐａｒｄｙ               ｗｈｅｎ               ｔｈｅｙ               ｇｒａｄｕａｔｅ               ｓｅｖｅｒａｌ               ｙｅａｒｓ               ｆｒｏｍ               ｎｏｗ               ａｎｄ               ｆｉｎｄ               ｔｈａｔ               ｔｈｅｙ               ｈａｖｅ               ｆｅｗ               ｔａｎｇｉｂｌｅ               ａｓｓｅｔｓ               ｗｉｔｈ               ｗｈｉｃｈ               ｔｏ               ｓｕｒｖｉｖｅ               ｔｈｅ               ｃｏｍｉｎｇ               ｈｙｐｅｒｉｎｆｌａｔｉｏｎ.
               Ｉ               ｇｒａｄｕａｔｅｄ               ｆｒｏｍ               ａ               ｗｅｌｌ-ｋｎｏｗｎ               ｐｒｉｖａｔｅ               ｌｉｂｅｒａｌ               ａｒｔｓ               ｃｏｌｌｅｇｅ               ａｓ               ｔｈｅ               ｓａｌｕｔａｔｏｒｉａｎ               ｏｆ               ｍｙ               ｃｌａｓｓ,               ｗｉｔｈ               ｔｈｒｅｅ               ｍａｊｏｒｓ               ｉｎ               ｅｃｏｎｏｍｉｃｓ,               ｍａｔｈｅｍａｔｉｃｓ,               ａｎｄ               Ｇｅｒｍａｎ.

Ｍｙ               ｍａｊｏｒｓ               ａｎｄ               ｇｒａｄｅｓ               ｄｉｄ               ｎｏｔ,               ｈｏｗｅｖｅｒ,               ｅａｒｎ               ｍｅ               ｍｙ               ｊｏｂ.

Ｒａｔｈｅｒ,               Ｉ               ｗａｓ               ｈｉｒｅｄ               ｂｅｃａｕｓｅ               ｏｆ               ｔｈｅ               ｆｏｕｒ               ａｃｔｕａｒｉａｌ               ｅｘａｍｓ               Ｉ               ｐａｓｓｅｄ               ｗｈｉｌｅ               ｉｎ               ｃｏｌｌｅｇｅ,               ｏｎ               ｍｙ               ｏｗｎ               ｔｉｍｅ               ａｎｄ               ｉｎｉｔｉａｔｉｖｅ.

Ｔｈｅ               ｅｘａｍｓ               ｈｅｌｐｅｄ               ｍｅ               ｂｙｐａｓｓ               ｔｈｅ               ｏｌｄ               ｎｏｔｏｒｉｏｕｓ               Ｃａｔｃｈ-22               ｏｆ               ｌａｃｋ               ｏｆ               ｗｏｒｋ               ｅｘｐｅｒｉｅｎｃｅ               ｌｅａｄｉｎｇ               ｔｏ               ｌａｃｋ               ｏｆ               ｊｏｂ               ｌｅａｄｉｎｇ               ｔｏ               ｌａｃｋ               ｏｆ               ｗｏｒｋ               ｅｘｐｅｒｉｅｎｃｅ               -               ｓｉｎｃｅ               ｔｈｅ               ｈｉｒｉｎｇ               ｒｕｌｅｓ               ｏｆ               ｔｈｅ               ｏｒｇａｎｉｚａｔｉｏｎ               ｆｏｒ               ｗｈｉｃｈ               Ｉ               ｗｏｒｋ               ｃｏｎｓｉｄｅｒ               ｔｗｏ               ｐａｓｓｅｄ               ａｃｔｕａｒｉａｌ               ｅｘａｍｓ               ｔｏ               ｂｅ               ｔｈｅ               ｅｑｕｉｖａｌｅｎｔ               ｏｆ               ｏｎｅ               ｙｅａｒ               ｏｆ               ｗｏｒｋ               ｅｘｐｅｒｉｅｎｃｅ.

Ｂｕｔ               ｅｖｅｎ               ｗｉｔｈ               ｔｈｏｓｅ               ａｃｔｕａｒｉａｌ               ｅｘａｍｓ,               ｉｔ               ｗａｓ               ａ               ｍａｔｔｅｒ               ｏｆ               ｇｒｅａｔ               ｆｏｒｔｕｎｅ               ｔｈａｔ               Ｉ               ｆｏｕｎｄ               ａ               ｊｏｂ               ａｔ               ａｌｌ.

Ｗｈｅｎ               Ｉ               ｂｅｇａｎ               ｔａｋｉｎｇ               ｔｈｅ               ａｃｔｕａｒｉａｌ               ｅｘａｍｓ               ｉｎ               2007,               ｉｔ               ｗａｓ               ｕｎｄｅｒ               ｔｈｅ               ａｓｓｕｍｐｔｉｏｎ               ｔｈａｔ               ｅｖｅｎ               ｏｎｅ               ｅｘａｍ               ｗａｓ,               ｉｎ               ｍｏｓｔ               ｃａｓｅｓ,               ａ               ｇａｔｅｗａｙ               ｔｏ               ａ               ｊｏｂ.

Ｈｏｗｅｖｅｒ,               ｖｉｒｔｕａｌｌｙ               ｎｏ               ｃｏｍｐａｎｙ               ｗａｓ               ｈｉｒｉｎｇ               ｆｏｒ               ｅｎｔｒｙ-ｌｅｖｅｌ               ａｃｔｕａｒｉａｌ               ｐｏｓｉｔｉｏｎｓ               ｗｈｅｎ               Ｉ               ｓｅｎｔ               ｏｕｔ               ｍｙ               ａｐｐｌｉｃａｔｉｏｎｓ               ｉｎ               ｅａｒｌｙ               2009;               ｅｖｅｎ               ｃａｎｄｉｄａｔｅｓ               ｗｉｔｈ               ｆｏｕｒ               ｅｘａｍｓ               ｗｅｒｅ               ｒｏｕｔｉｎｅｌｙ               ｉｇｎｏｒｅｄ               ｂｙ               ｅｍｐｌｏｙｅｒｓ.

Ｔｈｅ               ｆｅｗ               ｐｏｓｉｔｉｏｎｓ               ｔｈａｔ               ｗｅｒｅ               ａｖａｉｌａｂｌｅ               ａｌｌ               ｒｅｑｕｉｒｅｄ               ｓｏｍｅ               ｎｕｍｂｅｒ               ｏｆ               ｙｅａｒｓ               ｏｆ               ｗｏｒｋ               ｅｘｐｅｒｉｅｎｃｅ               ｉｎ               ｔｈｅ               ｉｍｍｅｄｉａｔｅ               ｆｉｅｌｄ,               ｅｖｅｎ               ｉｆ               ｔｈｅｙ               ｐｒｉｍａｒｉｌｙ               ｉｎｖｏｌｖｅｄ               ｅｎｔｒｙ-ｌｅｖｅｌ               ｗｏｒｋ.

Ｔｏ               ｈｅｌｐ               ｍｅ               ｓｅａｒｃｈ,               Ｉ               ｃｏｎｔａｃｔｅｄ               ａｎ               ａｃｔｕａｒｉａｌ               ｓｔａｆｆｉｎｇ               ｆｉｒｍ,               ｗｈｉｃｈ               ｆａｉｌｅｄ               ｔｏ               ｕｐｄａｔｅ               ｍｅ               ｒｅｇａｒｄｉｎｇ               ａｎｙ               ｐｒｏｓｐｅｃｔｓ               ｆｏｒ               ｍｏｎｔｈｓ               ａｔ               ａ               ｔｉｍｅ.

Ｗｈｅｎ               Ｉ               ｆｏｌｌｏｗｅｄ               ｕｐ               ｐｅｒｉｏｄｉｃａｌｌｙ               ｗｉｔｈ               ｉｔｓ               ｒｅｐｒｅｓｅｎｔａｔｉｖｅ,               Ｉ               ｗａｓ               ｔｏｌｄ               ｔｈａｔ               ｎｏ               ｃｏｎｔａｃｔ               ｏｃｃｕｒｒｅｄ               ｂｅｃａｕｓｅ               ｎｏ               ｏｐｅｎｉｎｇｓ               ｈａｄ               ｂｅｅｎ               ｆｏｕｎｄ               ｗｉｔｈｉｎ               ｔｈｅ               ｖａｓｔ               ｇｅｏｇｒａｐｈｉｃａｌ               ａｒｅａ               ｗｈｉｃｈ               Ｉ               ｈａｄ               ｓｐｅｃｉｆｉｅｄ               ａｓ               ａｃｃｅｐｔａｂｌｅ.

Ｏｕｔ               ｏｆ               ｔｈｅ               ｆｉｆｔｙ               ａｐｐｌｉｃａｔｉｏｎｓ               Ｉ               ｃｉｒｃｕｌａｔｅｄ               ｏｎ               ｍｙ               ｏｗｎ,               Ｉ               ｒｅｃｅｉｖｅｄ               ｏｎｅ               ｊｏｂ               ｏｆｆｅｒ               ａｎｄ               ａｃｃｅｐｔｅｄ               ｉｔ.

Ｉ               ａｍ               ｇｌａｄ               Ｉ               ｄｉｄ.

Ｉ               ｗａｓ               ｏｎｅ               ｏｆ               ｔｈｅ               ｆｅｗ               ｐｅｏｐｌｅ               ｏｆ               ｍｙ               ｇｒａｄｕａｔｉｎｇ               ｃｌａｓｓ               ｔｏ               ｓｅｃｕｒｅ               ａ               ｊｏｂ               ｐｒｉｏｒ               ｔｏ               ｇｒａｄｕａｔｉｎｇ,               ｗｈｉｃｈ               ｍａｄｅ               ｍｙ               ｌｉｆｅ               ｉｍｍｅｎｓｅｌｙ               ｅａｓｉｅｒ               ｔｈａｎ               ｉｔ               ｍｉｇｈｔ               ｈａｖｅ               ｂｅｅｎ.

Ｔｏ               ｔｈｉｓ               ｄａｙ,               Ｉ               ｓｔｉｌｌ               ｒｅｃｏｍｍｅｎｄ               ｔｈａｔ               ｃｏｌｌｅｇｅ               ｇｒａｄｕａｔｅｓ               ｌｏｏｋｉｎｇ               ｆｏｒ               ａ               ｊｏｂ               ａｃｃｅｐｔ               ｔｈｅ               ｆｉｒｓｔ               ｏｆｆｅｒ               ｔｈｅｙ               ｇｅｔ,               ｂｅｃａｕｓｅ               ｔｈｅｙ               ｗｉｌｌ               ｎｏｔ               ｌｉｋｅｌｙ               ｇｅｔ               ａ               ｓｅｃｏｎｄ.

Ｎｏｗ,               ｎｏ               ｎｕｍｂｅｒ               ｏｆ               ｐｒｏｆｅｓｓｉｏｎａｌ               ｅｘａｍｓ               ｏｒ               ｃｅｒｔｉｆｉｃａｔｉｏｎｓ               ｗｏｕｌｄ               ｇｕａｒａｎｔｅｅ               ｆｉｎｄｉｎｇ               ｐａｉｄ               ｅｍｐｌｏｙｍｅｎｔ               -               ａｌｔｈｏｕｇｈ               ｔｈｅｙ               ｃｅｒｔａｉｎｌｙ               ｈｅｌｐ.

Ａｎｄ               ｏｆ               ｃｏｕｒｓｅ,               ａｎｙ               ｉｎｄｉｖｉｄｕａｌ'ｓ               ｃｈａｎｃｅｓ               ｏｆ               ｆｉｎｄｉｎｇ               ａ               ｊｏｂ               ｈａｖｅ               ｄｅｔｅｒｉｏｒａｔｅｄ               ｃｏｎｓｉｄｅｒａｂｌｙ               ｓｉｎｃｅ               Ｉ               ｃｏｎｄｕｃｔｅｄ               ｍｙ               ｓｅａｒｃｈ.

Ｔｈｅｎ               ｔｈｅｒｅ               ｗｅｒｅ               ａｂｏｕｔ               ｔｈｒｅｅ               ｕｎｅｍｐｌｏｙｅｄ               ｐｅｒｓｏｎｓ               ｆｏｒ               ｅｖｅｒｙ               ｊｏｂ,               ｏｎ               ａｖｅｒａｇｅ;               ｎｏｗ               ｔｈｅ               ｎｕｍｂｅｒ               ｉｓ               ｐｒｏｂａｂｌｙ               ｃｌｏｓｅｒ               ｔｏ               ｔｅｎ,               ｅｓｐｅｃｉａｌｌｙ               ｉｆ               ｄｉｓｃｏｕｒａｇｅｄ               ｗｏｒｋｅｒｓ               ａｒｅ               ｃｏｎｓｉｄｅｒｅｄ.
               Ｗｈａｔ               ｓｔｒｕｃｋ               ｍｅ               ａｂｏｕｔ               ｍｙ               ｏｗｎ               ｅｘｐｅｒｉｅｎｃｅ               ｉｓ               ｔｈａｔ               ａｌｌ               ｔｈｅ               ａｃｃｏｍｐｌｉｓｈｍｅｎｔｓ               ｗｈｉｃｈ,               ｔｈｒｏｕｇｈｏｕｔ               ｍｙ               ｅａｒｌｉｅｒ               ｌｉｆｅ,               Ｉ               ｐｅｒｃｅｉｖｅｄ               ａｓ               "ｅｘｔｒａ"               ａｎｄ               ｏｐｔｉｏｎａｌ,               ｗｅｒｅ               ａｂｓｏｌｕｔｅｌｙ               ｉｎｄｉｓｐｅｎｓａｂｌｅ               ｔｏ               ｊｕｓｔ               ｂａｒｅｌｙ               ｅｎａｂｌｉｎｇ               ｍｅ               ｔｏ               ｓｅｃｕｒｅ               ａ               ｄｅｃｅｎｔｌｙ               ｐａｙｉｎｇ               ｊｏｂ               ａｎｄ               ａ               ｍｏｄｅｓｔｌｙ               ｃｏｍｆｏｒｔａｂｌｅ               ｓｔａｎｄａｒｄ               ｏｆ               ｌｉｖｉｎｇ.

Ｉ,               ｌｉｋｅ               ｍｏｓｔ               ｏｆ               ｍｙ               ｐｅｅｒｓ,               ｈａｄ               ｂｅｅｎ               ｒａｉｓｅｄ               ｗｉｔｈ               ｔｈｅ               ｅｘｐｅｃｔａｔｉｏｎ               ｔｈａｔ,               ｆｏｒ               ｔｈｅ               ｂｅｓｔ               ａｃａｄｅｍｉｃ               ｐｅｒｆｏｒｍｅｒｓ,               ｔｈｅ               ｑｕｅｓｔｉｏｎ               ｗａｓ               ｎｏｔ               ｗｈｅｔｈｅｒ               ｏｎｅ               ｗｏｕｌｄ               ｇｅｔ               ａ               ｊｏｂ               ｏｕｔ               ｏｆ               ｃｏｌｌｅｇｅ,               ｂｕｔ               ｒａｔｈｅｒ               ｗｈｉｃｈ               ｏｆｆｅｒ               ｏｎｅ               ｗｏｕｌｄ               ａｃｃｅｐｔ               ｏｎ               ｔｈｅ               ｂａｓｉｓ               ｏｆ               ｔｈｅ               ｄｅｓｉｒａｂｉｌｉｔｙ               ｏｆ               ｔｈｅ               ｊｏｂ               ａｎｄ               ｉｔｓ               ｓｕｒｒｏｕｎｄｉｎｇ               ｅｎｖｉｒｏｎｍｅｎｔ.

Ｔｈｉｓ               ｅｘｐｅｃｔａｔｉｏｎ               ｈａｓ               ｓｈｏｗｎ               ｔｏ               ｂｅ               ｃｏｍｐｌｅｔｅｌｙ               ｉｌｌｕｓｏｒｙ.

Ｍｏｒｅｏｖｅｒ,               ａ               ｔｒｕｌｙ               ｐｉｔｉａｂｌｅ               ｓｉｔｕａｔｉｏｎ               ａｆｆｌｉｃｔｓ               ｔｈｏｓｅ               ｉｎｄｉｖｉｄｕａｌｓ               ｗｈｏ,               ｆｏｒ               ｌａｃｋ               ｏｆ               ｆｉｎａｎｃｉａｌ               ｒｅｓｏｕｒｃｅｓ               ｗｉｔｈｉｎ               ｔｈｅｉｒ               ｆａｍｉｌｉｅｓ,               ｄｅｃｉｄｅｄ               ｔｏ               ａｃｃｕｍｕｌａｔｅ               ｄｅｂｔ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ａｔｔｅｎｄ               ｃｏｌｌｅｇｅ               -               ｈｏｐｉｎｇ,               ｐｅｒｈａｐｓ,               ｔｈａｔ               ｔｈｅ               ｖａｌｕｅ               ｏｆ               ｔｈｅ               ｒｅｓｕｌｔｉｎｇ               ｄｅｇｒｅｅ               ｗｏｕｌｄ               ｅｖｅｎｔｕａｌｌｙ               ｐａｙ               ｆｏｒ               ｔｈｅｉｒ               ｌｏａｎｓ               ａｎｄ               ｐｒｏｐｅｌ               ｔｈｅｍ               ｗｅｌｌ               ｉｎｔｏ               ｔｈｅ               ｍｉｄｄｌｅ               ｃｌａｓｓ.

Ｔｈｅｓｅ               ｉｎｄｉｖｉｄｕａｌｓ               ａｒｅ               ｎｏｗ               ａｆｆｅｃｔｅｄ               ｗｉｔｈ               ｃｒｕｓｈｉｎｇ               ｆｉｎａｎｃｉａｌ               ｏｂｌｉｇａｔｉｏｎｓ               -               ｓｏｍｅｔｉｍｅｓ               ｉｎ               ｔｈｅ               ｈｕｎｄｒｅｄｓ               ｏｆ               ｔｈｏｕｓａｎｄｓ               ｏｆ               ｄｏｌｌａｒｓ               -               ａｎｄ               ｎｏ               ｍｅａｎｓ               ｔｏ               ｒｅｐａｙ               ｔｈｅｍ;               ｍｏｒｅｏｖｅｒ,               ｓｔｕｄｅｎｔ               ｌｏａｎ               ｄｅｂｔ               ｃａｎｎｏｔ               ｅｖｅｎ               ｂｅ               ｅｒａｓｅｄ               ｖｉａ               ａ               ｂａｎｋｒｕｐｔｃｙ.

Ｉｎ               ｍｙ               ｃａｓｅ,               Ｉ               ｈａｄ               ｎｏ               ｅｄｕｃａｔｉｏｎａｌ               ｄｅｂｔ               ｆｏｒ               ａ               ｖａｒｉｅｔｙ               ｏｆ               ｒｅａｓｏｎｓ,               ａｎｄ               Ｉ               ａｌｓｏ               ａｃｃｕｍｕｌａｔｅｄ               ａ               ｓｍａｌｌ               ａｍｏｕｎｔ               ｏｆ               ｓａｖｉｎｇｓ               ｔｈｒｏｕｇｈｏｕｔ               ｃｏｌｌｅｇｅ               ｂｙ               ｅｎｇａｇｉｎｇ               ｉｎ               ａ               ｖａｒｉｅｔｙ               ｏｆ               ｗｒｉｔｉｎｇ               ｖｅｎｔｕｒｅｓ               ｏｎｌｉｎｅ               ａｎｄ               ｃｏｌｌｅｃｔｉｎｇ               ｐｒｉｚｅｓ               ｆｒｏｍ               ｅｓｓａｙ               ｃｏｎｔｅｓｔｓ.

Ｔｈａｔ,               ｔｏｏ,               Ｉ               ｃｏｎｓｉｄｅｒｅｄ               ｔｏ               ｂｅ               ｏｐｔｉｏｎａｌ               ａｎｄ               ｅｘｃｅｐｔｉｏｎａｌ               ａｔ               ｔｈｅ               ｔｉｍｅ.

Ｂｕｔ               ｔｈａｔ               ｓｍａｌｌ               ｐｏｏｌ               ｏｆ               ｓａｖｉｎｇｓ               ｗａｓ               ｖｉｔａｌ               ｔｏ               ｅｎａｂｌｉｎｇ               ｍｅ               ａｎｄ               ｍｙ               ｗｉｆｅ               ｔｏ               ｓｕｒｖｉｖｅ               ｄｕｒｉｎｇ               ｍｙ               ｔｒａｎｓｉｔｉｏｎ               ｉｎｔｏ               ｍｙ               ｊｏｂ               ａｎｄ               ｌａｔｅｒ               ｃｏｎｔｒｉｂｕｔｉｎｇ               ｔｏ               ｔｈｅ               ｓｕｂｓｔａｎｔｉａｌ               ｄｏｗｎ               ｐａｙｍｅｎｔ               ｔｈａｔ               ａｌｌｏｗｅｄ               ｕｓ               ｔｏ               ｏｂｔａｉｎ               ｏｕｒ               ｈｏｕｓｅ.

Ｆｏｒｔｕｎａｔｅｌｙ,               ａｌｌ               ｈａｓ               ｔｕｒｎｅｄ               ｏｕｔ               ｆｏｒ               ｔｈｅ               ｂｅｓｔ               ｆｏｒ               ｕｓ               ｔｈｕｓ               ｆａｒ.

Ｂｕｔ,               ａｌｏｎｇ               ｔｈｅ               ｗａｙ,               ｔｈｅｒｅ               ｗｅｒｅ               ｎｕｍｅｒｏｕｓ               ｊｕｎｃｔｕｒｅｓ               ｗｈｅｒｅ               ｏｕｒ               ｌｉｖｅｓ               ｃｏｕｌｄ               ｈａｖｅ               ｄｅｔｅｒｉｏｒａｔｅｄ               ｄｒａｍａｔｉｃａｌｌｙ               ｓｉｍｐｌｙ               ｂｅｃａｕｓｅ               ｏｆ               ｔｈｅ               ｖｉｃｉｓｓｉｔｕｄｅｓ               ｏｆ               ｍａｃｒｏｅｃｏｎｏｍｉｃ               ｅｖｅｎｔｓ.

Ｉ               ａｍ               ｓｔｉｌｌ               ａｓｔｏｎｉｓｈｅｄ               ａｔ               ｔｈｅ               ｒｅａｌｉｚａｔｉｏｎ               ｔｈａｔ               ｉｆ               Ｉ               ｄｉｄ               ｎｏｔ               ｐａｓｓ               ｔｈｏｓｅ               ａｃｔｕａｒｉａｌ               ｅｘａｍｓ,               ｏｒ               ｗｉｎ               ｔｈｏｓｅ               ｅｓｓａｙ               ｃｏｎｔｅｓｔｓ,               ｏｒ               ｓｐｅｎｄ               ｍｙ               ｌｕｎｃｈ               ｂｒｅａｋｓ               ａｎｄ               ｅｖｅｎｉｎｇｓ               ｉｎ               ｃｏｌｌｅｇｅ               ｗｒｉｔｉｎｇ               ａｒｔｉｃｌｅｓ               ｆｏｒ               ｖａｒｉｏｕｓ               ｏｎｌｉｎｅ               ｅｎｔｅｒｐｒｉｓｅｓ,               Ｉ               ｍｉｇｈｔ               ｅｉｔｈｅｒ               ｂｅ               ｆｉｎａｎｃｉａｌｌｙ               ｄｅｐｅｎｄｅｎｔ               ｏｒ               ｏｎ               ｔｈｅ               ｖｅｒｇｅ               ｏｆ               ｓｔａｒｖａｔｉｏｎ               ｔｏｄａｙ.
               Ｔｈｅ               Ｗａｒ               ｏｆ               Ｆａｎｎｉｅ               Ｍａｅ               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ               ａｇａｉｎｓｔ               Ｒｅｓｐｏｎｓｉｂｌｅ               Ｙｏｕｎｇ               Ｐｅｏｐｌｅ
               Ｆｏｒ               ｔｈｅ               ｆｏｒｔｕｎａｔｅ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｗｈｏ               ｄｏ               ｍａｎａｇｅ               ｔｏ               ｓｅｃｕｒｅ               ｊｏｂｓ               ｄｕｒｉｎｇ               ｔｈｉｓ               ｃｒｉｓｉｓ,               ｔｈｅ               ｏｒｄｅａｌ               ｉｓ               ｆａｒ               ｆｒｏｍ               ｏｖｅｒ.

Ｉｎ               ｏｒｄｅｒ               ｆｏｒ               ｏｎｅ               ｔｏ               ｂｅ               ｔｒｕｌｙ               ｆｉｎａｎｃｉａｌｌｙ               ｓｅｃｕｒｅ               ｉｎ               ａｎ               ｅｒａ               ｏｆ               ｉｍｐｅｎｄｉｎｇ               ｈｙｐｅｒｉｎｆｌａｔｉｏｎ,               ｏｎｌｙ               ｔｈｅ               ｏｗｎｅｒｓｈｉｐ               ｏｆ               ｕｓｅｆｕｌ               ｔａｎｇｉｂｌｅ               ｐｒｏｐｅｒｔｙ               ｃａｎ               ｓｕｆｆｉｃｅ.

Ｒｏｕｇｈｌｙ,               ｗｈａｔｅｖｅｒ               ｍａｔｅｒｉａｌ               ｓｔａｎｄａｒｄ               ｏｆ               ｌｉｖｉｎｇ               ｏｎｅ               ｈａｄ               ｒｉｇｈｔ               ｂｅｆｏｒｅ               ｔｈｅ               ｈｙｐｅｒｉｎｆｌａｔｉｏｎ               ｉｓ               ｔｈｅ               ｍａｘｉｍｕｍ               ｓｔａｎｄａｒｄ               ｏｆ               ｌｉｖｉｎｇ               ｏｎｅ               ｗｉｌｌ               ｒｅｔａｉｎ               ｕｎｔｉｌ               ａ               ｓｔａｂｌｅｒ               ｃｕｒｒｅｎｃｙ               ｒｅｇｉｍｅ               ｒｅｔｕｒｎｓ.

Ｉｎ               ｐａｒｔｉｃｕｌａｒ,               ｂｅｃａｕｓｅ               ｔｈｅ               ｐｒｉｃｅｓ               ｃｏｎｓｕｍｅｒｓ               ｈａｖｅ               ｔｏ               ｐａｙ               ｔｅｎｄ               ｔｏ               ｒｉｓｅ               ｆａｓｔｅｒ               ｔｈａｎ               ｔｈｏｓｅ               ｃｏｎｓｕｍｅｒｓ'               ｅａｒｎｉｎｇｓ,               ｏｎｌｙ               ａｎ               ａｂｕｎｄａｎｃｅ               ｏｆ               ｄｕｒａｂｌｅ               ｇｏｏｄｓ               ｃａｎ               ｔｉｄｅ               ｏｎｅ               ｏｖｅｒ               ａｔ               ａ               ｔｏｌｅｒａｂｌｅ               ｓｔａｎｄａｒｄ               ｏｆ               ｌｉｖｉｎｇ               ｗｈｉｌｅ               ｔｈｅ               ｒｅａｌ               ｃｏｓｔｓ               ｏｆ               ｆｏｏｄ               ａｎｄ               ｄｉｓｐｏｓａｂｌｅ               ｇｏｏｄｓ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｓｋｙｒｏｃｋｅｔ.

Ｏｗｎｉｎｇ               ａ               ｒｅｓｉｄｅｎｃｅ               ｉｎ               ａ               ｈｙｐｅｒｉｎｆｌａｔｉｏｎ               ｉｓ               ａ               ｖｉｒｔｕａｌ               ｎｅｃｅｓｓｉｔｙ               ｉｆ               ｏｎｅ               ｄｏｅｓ               ｎｏｔ               ｗｉｓｈ               ｔｏ               ｂｅ               ｅｖｉｃｔｅｄ               ｆｏｒ               ｆａｉｌｉｎｇ               ｔｏ               ｐａｙ               ａｓｔｒｏｎｏｍｉｃａｌｌｙ               ｒｉｓｉｎｇ               ｒｅｎｔ.

Ｂｕｔ               ｗｈａｔ               ｉｓ               ｉｔ               ｌｉｋｅ               ｆｏｒ               ａ               ｒｅｓｐｏｎｓｉｂｌｅ               ｙｏｕｎｇ               ｐｅｒｓｏｎ               ｔｏｄａｙ               ｔｏ               ｔｒｙ               ｔｏ               ｏｂｔａｉｎ               ａ               ｈｏｕｓｅ?

Ｍｙ               ｏｗｎ               ｅｘｐｅｒｉｅｎｃｅ               ｗｉｔｈ               ｔｈｉｓ               ｓｈｏｗｅｄ               ｍｅ               ｈｏｗ               ｕｔｔｅｒｌｙ               ｉｒｒａｔｉｏｎａｌ               ａｎｄ               ｕｎｆａｉｒｌｙ               ｄｉｓｃｒｉｍｉｎａｔｏｒｙ               ｔｏｄａｙ'ｓ               ｃｅｎｔｒａｌｉｚｅｄ               ｌｅｎｄｉｎｇ               ｓｙｓｔｅｍ               ｉｓ               ｔｏｗａｒｄ               ｔｈｅ               ｙｏｕｎｇ.
               Ｋｅｅｐ               ｉｎ               ｍｉｎｄ               ｔｈａｔ               ｐｒｉｏｒ               ｔｏ               ｏｂｔａｉｎｉｎｇ               ｍｙ               ｍｏｒｔｇａｇｅ,               Ｉ               ｎｅｖｅｒ               ｈａｄ               ａｎｙ               ｓｅｒｉｏｕｓ               ｄｅｂｔ               -               ｏｎｌｙ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｗｈｉｃｈ               Ｉ               ｕｓｅｄ               ｏｎｃｅ               ａ               ｍｏｎｔｈ               ａｓ               ａ               ｆｏｒｍａｌｉｔｙ,               ｔｏ               ｂｕｉｌｄ               ｍｙ               ｃｒｅｄｉｔ               ｈｉｓｔｏｒｙ,               ａｎｄ               ｆｏｒ               ｗｈｉｃｈ               Ｉ               ｐｒｏｍｐｔｌｙ               ｐａｉｄ               ｏｆｆ               ｔｈｅ               ｂａｌａｎｃｅ               ｅｖｅｒｙ               ｔｉｍｅ.

Ｉ               ｈａｄ               ａｌｓｏ               ｂｅｅｎ               ａ               ｔｅｎａｎｔ               ｆｏｒ               3.5               ｙｅａｒｓ               ａｎｄ               ｈａｄ               ａ               ｐｅｒｆｅｃｔ               ｐａｙｍｅｎｔ               ｒｅｃｏｒｄ               ｆｏｒ               ａｌｌ               ｏｆ               ｍｙ               ｂｉｌｌｓ.

Ｄｕｒｉｎｇ               ｍｏｓｔ               ｍｏｎｔｈｓ,               Ｉ               ｃａｎ               ｓａｖｅ               ｃｉｒｃａ               60%               ｏｆ               ｍｙ               ｉｎｃｏｍｅ               ａｎｄ               ｓｕｐｐｏｒｔ               ｂｏｔｈ               ｍｙｓｅｌｆ               ａｎｄ               ｍｙ               ｗｉｆｅ               ｏｎ               ｔｈｅ               ｒｅｍａｉｎｄｅｒ.

Ｂｏｔｈ               ｍｙ               ｗｉｆｅ               ａｎｄ               Ｉ               ｈａｖｅ               ｅｘｃｅｌｌｅｎｔ               ｃｒｅｄｉｔ               ｓｃｏｒｅｓ               -               ｅｎｏｕｇｈ               ｔｈａｔ,               ｗｈｅｎ               ｗｅ               ａｐｐｌｉｅｄ               ｆｏｒ               ａ               ｍｏｒｔｇａｇｅ,               ｗｅ               ｗｅｒｅ               ｔｏｌｄ               ｔｈａｔ,               ｉｆ               ｗｅ               ｑｕａｌｉｆｉｅｄ               ｆｏｒ               ａ               ｌｏａｎ               ａｔ               ａｌｌ,               ｗｅ               ｗｏｕｌｄ               ｑｕａｌｉｆｙ               ｆｏｒ               ｔｈｅ               ｂｅｓｔ               ｉｎｔｅｒｅｓｔ               ｒａｔｅ.

Ｉｎ               ｓｈｏｒｔ,               ｉｔ               ｉｓ               ｎｏ               ｅｘａｇｇｅｒａｔｉｏｎ               ｔｈａｔ               ｗｅ               ａｒｅ               ａｂｏｕｔ               ａｓ               ｆｉｎａｎｃｉａｌｌｙ               ｒｅｓｐｏｎｓｉｂｌｅ               ａｓ               ｐｅｏｐｌｅ               -               ｎｏｔ               ｊｕｓｔ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               -               ｇｅｔ.

Ｂｕｔ               ａｐｐａｒｅｎｔｌｙ               ｔｈｉｓ               ｗａｓ               ｎｏｔ               ｅｎｏｕｇｈ               ｆｏｒ               ｏｕｒ               ｂａｎｋ.
               Ｓｉｎｃｅ               ｔｈｅ               ｃｏｌｌａｐｓｅ               ｏｆ               ｔｈｅ               ｈｏｕｓｉｎｇ               ｍａｒｋｅｔ,               Ｆａｎｎｉｅ               Ｍａｅ               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ,               ｗｈｉｃｈ               ｈａｖｅ               ａｌｓｏ               ｂｅｅｎ               ｆｕｌｌｙ               ｎａｔｉｏｎａｌｉｚｅｄ,               ｈａｖｅ               ｉｍｐｏｓｅｄ               ｈｉｇｈｌｙ               ｓｔｒｉｎｇｅｎｔ               ｕｎｄｅｒｗｒｉｔｉｎｇ               ｇｕｉｄｅｌｉｎｅｓ               ｆｏｒ               ａｌｌ               "ｃｏｎｖｅｎｔｉｏｎａｌ"               ｌｏａｎｓ               ｂａｃｋｅｄ               ｂｙ               ｔｈｅｍ               -               ｉ.ｅ.,               ａｌｌ               ｌｏａｎｓ               ｎｏｔ               ｂａｃｋｅｄ               ｂｙ               ｔｈｅ               ｍｏｒｅ               ｌｅｎｉｅｎｔ               Ｆｅｄｅｒａｌ               Ｈｏｕｓｉｎｇ               Ａｄｍｉｎｉｓｔｒａｔｉｏｎ               (ＦＨＡ).

Ｆｏｒ               ｔｈｏｓｅ               ｕｎｆａｍｉｌｉａｒ               ｗｉｔｈ               ｔｈｅ               ｔｅｒｍ,               ｕｎｄｅｒｗｒｉｔｉｎｇ               ｓｔａｎｄａｒｄｓ               ｄｅｔｅｒｍｉｎｅ               ｗｈｅｔｈｅｒ               ｏｒ               ｎｏｔ               ａ               ｌｏａｎ               ｅｖｅｎ               ｇｅｔｓ               ｍａｄｅ,               ｉｒｒｅｓｐｅｃｔｉｖｅ               ｏｆ               ｗｈａｔ               ｔｅｒｍｓ               ｔｈｅ               ｂｏｒｒｏｗｅｒ               ｗｏｕｌｄ               ｑｕａｌｉｆｙ               ｆｏｒ               ｉｆ               ｈｅ               ｗｅｒｅ               ｄｅｅｍｅｄ               ｅｌｉｇｉｂｌｅ.

Ｇｉｖｅｎ               ｔｈａｔ               ｂａｎｋｓ               ｗｅｒｅ               ｐｅｒｖｅｒｓｅｌｙ               ｉｎｃｅｎｔｉｖｉｚｅｄ               ｔｏ               ｅｍｐｌｏｙ               ｒｉｄｉｃｕｌｏｕｓｌｙ               ｌｏｏｓｅ               ｕｎｄｅｒｗｒｉｔｉｎｇ               ｓｔａｎｄａｒｄｓ               ｄｕｒｉｎｇ               ｔｈｅ               ｈｏｕｓｉｎｇ-ｂｏｏｍ               ｙｅａｒｓ,               ｉｔ               ｗｏｕｌｄ               ｓｅｅｍ               ｓｅｎｓｉｂｌｅ               ａｔ               ａ               ｆｉｒｓｔ               ａｐｐｒｏｘｉｍａｔｉｏｎ               ｆｏｒ               ｔｈｅｓｅ               ｓｔａｎｄａｒｄｓ               ｔｏ               ｂｅｃｏｍｅ               ｍｏｒｅ               ｒｉｇｏｒｏｕｓ.

Ｈｏｗｅｖｅｒ,               ａｓ               ｉｓ               ｔｈｅ               ｔｅｎｄｅｎｃｙ               ｗｉｔｈ               ｆｅｄｅｒａｌｉｚｅｄ               ｅｎｔｉｔｉｅｓ,               ｔｈｅ               ａｌｌｅｇｅｄ               "ｓｏｌｕｔｉｏｎ"               ｔｏ               ａ               ｐｒｏｂｌｅｍ               ｂｅｃｏｍｅｓ               ｗｏｒｓｅ               ｔｈａｎ               ｔｈｅ               ｐｒｏｂｌｅｍ               ｉｔｓｅｌｆ.

Ｔｈｅ               ｓｔａｎｄａｒｄｓ               ｉｍｐｏｓｅｄ               ｂｙ               Ｆａｎｎｉｅ               Ｍａｅ               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ               ｔｏｄａｙ               ａｒｅ               ａｒｂｉｔｒａｒｙ,               ｄｒａｃｏｎｉａｎ,               ａｎｄ               ｃｏｍｐｌｅｔｅｌｙ               ｕｎｒｅｌａｔｅｄ               ｔｏ               ｔｈｅ               ｕｎｄｅｒｌｙｉｎｇ               ｆａｃｔｏｒｓ               ｔｈａｔ               ｄｅｔｅｒｍｉｎｅ               ｗｈｅｔｈｅｒ               ｔｈｅ               ｂｏｒｒｏｗｅｒ               ｗｉｌｌ               ｒｅｐａｙ               ｔｈｅ               ｍｏｒｔｇａｇｅ.

Ｔｈｅｙ               ｈａｖｅ               ｃｏｎｔｒｉｂｕｔｅｄ               ｔｏ               ｍａｎｙ               ｇｅｎｕｉｎｅｌｙ               ｒｅｓｐｏｎｓｉｂｌｅ               ｐｅｏｐｌｅ               ｂｅｉｎｇ               ｄｅｎｉｅｄ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｔｏ               ｐｕｒｃｈａｓｅ               ａ               ｈｏｕｓｅ,               ｗｈｉｌｅ               ｍａｎｙ               ｇｅｎｕｉｎｅｌｙ               ｉｒｒｅｓｐｏｎｓｉｂｌｅ               ｐｅｏｐｌｅ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｇｅｔ               ｌｏａｎｓ.

Ｔｈｅ               ｒｅｃｅｎｔ               ｐａｓｓａｇｅ               ｏｆ               ｔｈｅ               ｇａｒｇａｎｔｕａｎ               "ｆｉｎａｎｃｉａｌ               ｒｅｆｏｒｍ"               ｌｅｇｉｓｌａｔｉｏｎ               ｉｎ               Ｃｏｎｇｒｅｓｓ               (Ｈ.Ｒ.

4173               /               Ｓ.

3217)               ｗｏｕｌｄ               ｅｓｓｅｎｔｉａｌｌｙ               ｆｏｉｓｔ               ｔｈｅｓｅ               ｓｔａｎｄａｒｄｓ               ａｓ               ｆｅｄｅｒａｌ               ｌａｗ               ｕｐｏｎ               ａｌｌ               ｍｏｒｔｇａｇｅ               ｌｅｎｄｅｒｓ               -               ｍｅａｎｉｎｇ               ｔｈａｔ,               ｈａｄ               ｍｙ               ｗｉｆｅ               ａｎｄ               Ｉ               ｗａｉｔｅｄ               ｔｏ               ａｐｐｌｙ               ｆｏｒ               ａ               ｌｏａｎ               ｕｎｔｉｌ               ａｆｔｅｒ               ｔｈｅ               ｒｅｆｏｒｍｓ'               ｉｍｐｌｅｍｅｎｔａｔｉｏｎ               ｄａｔｅ,               ｗｅ               ｗｏｕｌｄ               ｈａｖｅ               ｂｅｅｎ               ｄｅｎｉｅｄ               ｔｈｅ               ｏｐｐｏｒｔｕｎｉｔｙ               ｔｏ               ｐｕｒｃｈａｓｅ               ａ               ｈｏｕｓｅ               ａｌｔｏｇｅｔｈｅｒ.
               Ｏｎｅ               ｏｆ               ｔｈｅ               ｏｎｅ-ｓｉｚｅ-ｆｉｔｓ-ａｌｌ               ｕｎｄｅｒｗｒｉｔｉｎｇ               ｓｔａｎｄａｒｄｓ               ｔｈａｔ               ｏｂｓｔｒｕｃｔｅｄ               ｏｕｒ               ａｂｉｌｉｔｙ               ｔｏ               ｇｅｔ               ａ               "ｃｏｎｖｅｎｔｉｏｎａｌ"               ｌｏａｎ               ｗａｓ               ｔｈｅ               ｒｅｑｕｉｒｅｍｅｎｔ               ｔｈａｔ               ｏｎｅ               ｈａｖｅ               ａ               ｃｅｒｔａｉｎ               ｎｕｍｂｅｒ               ｏｆ               ａｃｔｉｖｅ               ｃｒｅｄｉｔ               ａｃｃｏｕｎｔｓ               ｉｎ               ｏｎｅ'ｓ               ｃｒｅｄｉｔ               ｒｅｐｏｒｔ               (ｉｒｒｅｓｐｅｃｔｉｖｅ               ｏｆ               ｏｎｅ'ｓ               ｃｒｅｄｉｔ               ｓｃｏｒｅ               -               ａｎｄ               ｎｏ,               ｒｅｎｔａｌ,               ｕｔｉｌｉｔｙ,               ｉｎｓｕｒａｎｃｅ,               ａｎｄ               ｔｅｌｅｃｏｍｍｕｎｉｃａｔｉｏｎｓ               ｐａｙｍｅｎｔｓ               ｄｏ               ｎｏｔ               ｃｏｕｎｔ               ｕｎｄｅｒ               ｔｈｉｓ               ａｒｂｉｔｒａｒｙ               ｒｕｂｒｉｃ).

Ｂｅｃａｕｓｅ               Ｉ               ｎｅｖｅｒ               ｈａｄ               ａ               ｎｅｅｄ               ｆｏｒ               ｃｒｅｄｉｔ               ｃａｒｄｓ,               Ｉ               ｈａｄ               ｏｎｌｙ               ｏｎｅ,               ｓｉｍｐｌｙ               ｔｏ               ｂｕｉｌｄ               ｕｐ               ｍｙ               ｃｒｅｄｉｔ               ｓｃｏｒｅ.

Ａｎｄ,               ｔｒｕｌｙ,               ｗｈａｔ               ｒｅａｓｏｎａｂｌｅ               ｃｏｌｌｅｇｅ               ｓｔｕｄｅｎｔ               ｗｏｕｌｄ               ｅｖｅｒ               ｎｅｅｄ               ｍｏｒｅ               ｔｈａｎ               ｏｎｅ?

Ａｐｐａｒｅｎｔｌｙ,               Ｉ               ｗａｓ               ｒｅｑｕｉｒｅｄ               ｅｉｔｈｅｒ               ｔｏ               ｂｏｒｒｏｗ               ａｎｄ               ｓｐｅｎｄ               ｌａｖｉｓｈｌｙ               -               ｒｅｐｌｉｃａｔｉｎｇ               ｔｈｅ               ｃｏｎｓｕｍｅｒ               ｂｅｈａｖｉｏｒｓ               ｔｈａｔ               ｆｕｅｌｅｄ               ｔｈｅ               ｃｕｒｒｅｎｔ               ｃｒｉｓｉｓ               -               ｏｒ               ｔｏ               ｐｌａｙ               ｔｈｅ               ｇａｍｅ               ｏｆ               ｎｏｍｉｎａｌ               ｃｒｅｄｉｔ               ｃａｒｄ               ｕｓａｇｅ               ｗｉｔｈ               ｍｕｌｔｉｐｌｅ               ａｃｃｏｕｎｔｓ.

Ｂｕｔ               ｎｏｂｏｄｙ               ｔｏｌｄ               ｍｅ               ｔｈａｔ,               ｔｏ               ｒｅｍａｉｎ               ｆｉｎａｎｃｉａｌｌｙ               ｒｅｓｐｏｎｓｉｂｌｅ               ａｎｄ               ｉｎ               ｔｈｅ               ｇｏｏｄ               ｇｒａｃｅｓ               ｏｆ               Ｆａｎｎｉｅ               Ｍａｅ               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ,               Ｉ               ｎｅｅｄｅｄ               ｔｏ               ｂｕｙ               ｍｙ               ｈａｉｒｃｕｔ               ｗｉｔｈ               Ｃａｒｄ               Ａ,               ｍｙ               ｇｒｏｃｅｒｉｅｓ               ｗｉｔｈ               Ｃａｒｄ               Ｂ,               ａ               ｃｕｐ               ｏｆ               ｃｏｆｆｅｅ               ｗｉｔｈ               Ｃａｒｄ               Ｃ,               ａｎｄ               ｔｈｅ               ｏｃｃａｓｉｏｎａｌ               ｌｉｔｔｌｅ               ｔｒｉｎｋｅｔ               ｗｉｔｈ               Ｃａｒｄ               Ｄ               -               ａｎｄ               ｒｅｍｅｍｂｅｒ               ｔｏ               ｐａｙ               ｏｆｆ               ａｌｌ               ｏｆ               ｔｈｏｓｅ               ｌｉｔｔｌｅ               ｂａｌａｎｃｅｓ               ｂｅｆｏｒｅ               ｔｈｅ               ｅｎｄ               ｏｆ               ｔｈｅ               ｍｏｎｔｈ               ｔｏ               ａｖｏｉｄ               ｉｎｔｅｒｅｓｔ               ａｎｄ               ｆｅｅｓ.

Ｕｎｄｅｒｓｔａｎｄａｂｌｙ,               Ｉ               ｐｒｅｆｅｒｒｅｄ               ｔｏ               ｕｓｅ               ｍｙ               ｄｅｂｉｔ               ｃａｒｄ               -               ｂｕｔ               ｔｈｉｓ               ｒｅｓｕｌｔｅｄ               ｉｎ               ｍｙ               ｆａｉｌｕｒｅ               ｔｏ               ｑｕａｌｉｆｙ               ｆｏｒ               ａ               "ｃｏｎｖｅｎｔｉｏｎａｌ"               ｌｏａｎ               ａｎｄ               ｕｌｔｉｍａｔｅｌｙ               ｃｏｓｔ               ｍｅ               ｃｏｎｓｉｄｅｒａｂｌｅ               ｍｏｎｅｙ.

Ｉｎｄｅｅｄ,               ｕｎｄｅｒ               ｔｈｅ               2009               Ｃｒｅｄｉｔ               ＣＡＲＤ               Ａｃｔ               (Ｈ.Ｒ.

627),               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｕｎｄｅｒ               ｔｈｅ               ａｇｅ               ｏｆ               21               ａｒｅ               ｎｏｗ               ｐｒｏｈｉｂｉｔｅｄ               ｆｒｏｍ               ｏｂｔａｉｎｉｎｇ               ｃｒｅｄｉｔ               ｃａｒｄｓ               ｕｎｌｅｓｓ               ｔｈｅ               ｃａｒｄｓ               ａｒｅ               ｃｏ-ｓｉｇｎｅｄ               ｂｙ               ａ               ｐａｒｅｎｔ               ｏｒ               ｔｈｅ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｃａｎ               ｖｅｒｉｆｙ               ｉｎｄｅｐｅｎｄｅｎｔ               ｓｏｕｒｃｅｓ               ｏｆ               ｉｎｃｏｍｅ               (ａｇａｉｎ,               ｉｎ               ａｃｃｏｒｄ               ｗｉｔｈ               ａｒｂｉｔｒａｒｙ               ａｎｄ               ｕｎｄｕｌｙ               ｓｔｒｉｎｇｅｎｔ               ｓｔａｎｄａｒｄｓ).

Ｔｈｉｓ               ｍｅａｎｓ               ｔｈａｔ               ａ               ｐｅｒｓｏｎ               ｓｅｖｅｒａｌ               ｙｅａｒｓ               ｍｙ               ｊｕｎｉｏｒ,               ｅｖｅｎ               ｉｆ               ｈｅ               ｗａｎｔｅｄ               ｔｏ,               ｃｏｕｌｄ               ｎｏｔ               ｐｌａｙ               ｔｈｅ               ｃｒｅｄｉｔ               ｃａｒｄ               ｇａｍｅ               ｉｎ               ｃｏｌｌｅｇｅ               ｉｎ               ｏｒｄｅｒ               ｔｏ               ｑｕａｌｉｆｙ               ｆｏｒ               ａ               "ｃｏｎｖｅｎｔｉｏｎａｌ"               ｌｏａｎ               ｌａｔｅｒ               ｏｎ.
               Ｆａｎｎｉｅ               Ｍａｅ               ａｎｄ               Ｆｒｅｄｄｉｅ               Ｍａｃ               ｄｉｄ               ｏｆｆｅｒ               ａｎ               ａｌｔｅｒｎａｔｉｖｅ               ｂｙ               ｗｈｉｃｈ               ｔｈｉｓ               ｒｅｑｕｉｒｅｍｅｎｔ               ｃｏｕｌｄ               ｂｅ               ｂｙｐａｓｓｅｄ:               ａ               ｄｅｍｏｎｓｔｒａｔｉｏｎ               ｏｆ               ａ               12-ｍｏｎｔｈ               ｐａｙｍｅｎｔ               ｈｉｓｔｏｒｙ               ｉｎ               ａｔ               ｌｅａｓｔ               ｔｈｒｅｅ               ｎｏｎ-ｃｒｅｄｉｔ               ａｃｃｏｕｎｔｓ.

Ｗｈｉｌｅ               Ｉ               ｈａｄ               ｓｕｃｈ               ａ               ｐａｙｍｅｎｔ               ｈｉｓｔｏｒｙ,               ｉｔ               ｓｏ               ｈａｐｐｅｎｅｄ               ｔｈａｔ,               ｆｏｒ               ｍｙ               ｏｌｄ               ａｐａｒｔｍｅｎｔ               ｉｎ               ｃｏｌｌｅｇｅ,               ｍｙ               ｌａｎｄｌａｄｙ               ｗｏｕｌｄ               ｐａｙ               ｆｏｒ               ｔｈｅ               ｕｔｉｌｉｔｉｅｓ               ｂｕｔ               ｗｏｕｌｄ               ｃｏｌｌｅｃｔ               ｔｈｅｉｒ               ｃｏｓｔ               ｆｒｏｍ               ａｌｌ               ｏｆ               ｔｈｅ               ｔｅｎａｎｔｓ               ａｓ               ｐａｒｔ               ｏｆ               ｔｈｅ               ｍｏｎｔｈｌｙ               ｃｈｅｃｋ.

Ｔｈｕｓ,               ａｌｌ               ｔｈｏｓｅ               ｕｔｉｌｉｔｙ               ｐａｙｍｅｎｔｓ               ｄｉｄ               ｎｏｔ               ｑｕａｌｉｆｙ               ｕｎｄｅｒ               ｔｈｅ               ｆｅｄｅｒａｌ               ｓｔａｎｄａｒｄｓ.
               Ｔｈｅ               ｏｔｈｅｒ               ｃｒｉｔｅｒｉｏｎ               -               ｗｈｉｃｈ               ｗｉｌｌ               ｎｏｗ               ｌｉｋｅｌｙ               ｂｅ               ｍａｎｄａｔｏｒｙ               ｆｏｒ               ａｌｌ               ｌｅｎｄｅｒｓ               ｔｏ               ｕｓｅ               -               ｗａｓ               ｃｏｎｖｅｎｔｉｏｎａｌ               ｅｍｐｌｏｙｍｅｎｔ               ｈｉｓｔｏｒｙ,               ａｓ               ｄｏｃｕｍｅｎｔｅｄ               ｖｉａ               ｔａｘ               ｒｅｔｕｒｎｓ,               ａｔ               ａ               ｃｅｒｔａｉｎ               ｉｎｃｏｍｅ               ｌｅｖｅｌ               ａｎｄ               ｉｎ               ｔｈｅ               ｓａｍｅ               ｏｃｃｕｐａｔｉｏｎ.

Ｗｈｉｌｅ               Ｉ               ｄｉｄ               ｈａｖｅ               ｓｏｍｅ               ｒｅｌａｔｉｖｅｌｙ               ｍｉｎｏｒ               ｅａｒｎｉｎｇｓ               ｉｎ               ｃｏｌｌｅｇｅ,               Ｉ               ｄｉｄ               ｎｏｔ               ｔｈｅｎ               ｈａｖｅ               ａ               "ｊｏｂ"               ａｓ               ｃｏｎｖｅｎｔｉｏｎａｌｌｙ               ｄｅｆｉｎｅｄ,               ａｎｄ               ｃｅｒｔａｉｎｌｙ               ｎｏｔ               ａｎｙｔｈｉｎｇ               ｔｈａｔ               ｐａｉｄ               ａｓ               ｗｅｌｌ               ａｓ               ａｃｔｕａｒｉａｌ               ｗｏｒｋ.

Ｔｈｅ               ｆｅｄｅｒａｌ               ｒｅｑｕｉｒｅｍｅｎｔｓ               ｉｎｓｉｓｔｅｄ               ｏｎ               ｔｗｏ               ｙｅａｒｓ               ｏｆ               ｅｍｐｌｏｙｍｅｎｔ               ｈｉｓｔｏｒｙ               ｉｎ               ｔｈｅ               ｓａｍｅ               ｏｃｃｕｐａｔｉｏｎ,               ｗｈｅｒｅａｓ               Ｉ               ｃｏｕｌｄ               ｏｎｌｙ,               ａｔ               ｔｈｅ               ｔｉｍｅ,               ｄｏｃｕｍｅｎｔ               ｅｉｇｈｔ               ｍｏｎｔｈｓ.

Ｔｈｅ               ｕｎｉｎｔｅｎｄｅｄ               ｃｏｎｓｅｑｕｅｎｃｅ               ｏｆ               ｔｈｉｓ               ｒｅｑｕｉｒｅｍｅｎｔ,               ｏｆ               ｃｏｕｒｓｅ,               ｉｓ               ｔｈａｔ               ｉｔ               ｗｏｕｌｄ               ｂａｒ               ｆｉｎａｎｃｉａｌｌｙ               ｒｅｓｐｏｎｓｉｂｌｅ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｆｒｏｍ               ｇｅｔｔｉｎｇ               ａ               "ｃｏｎｖｅｎｔｉｏｎａｌ"               ｌｏａｎ               -               ｓｉｍｐｌｙ               ｆｏｒ               ｌａｃｋ               ｏｆ               ｈａｖｉｎｇ               ｓｐｅｎｔ               "ｓｕｆｆｉｃｉｅｎｔ"               ｔｉｍｅ               ｉｎ               ｔｈｅｉｒ               ｐｏｓｔ-ｃｏｌｌｅｇｅ               ｏｃｃｕｐａｔｉｏｎ.

Ｔｈｅ               ｌｏａｎ               Ｉ               ｗａｓ               ａｐｐｌｙｉｎｇ               ｆｏｒ               ｗｏｕｌｄ               ｈａｖｅ               ｐｕｔ               ｍｅ               ｓｉｇｎｉｆｉｃａｎｔｌｙ               ｂｅｌｏｗ               ｔｈｅ               ｔｈｒｅｓｈｏｌｄ               30%               ｄｅｂｔ-ｔｏ-ｉｎｃｏｍｅ               ｒａｔｉｏ;               ｍｏｒｅｏｖｅｒ,               Ｉ               ｈａｄ               ａ               20%               ｄｏｗｎ               ｐａｙｍｅｎｔ               ａｎｄ               ａ               ｄｅｃｅｎｔ               ａｍｏｕｎｔ               ｏｆ               ｓａｖｉｎｇｓ               ｌｅｆｔ               ａｆｔｅｒｗａｒｄ.

Ｂｕｔ               ｎｏ;               ｔｗｏ               ｙｅａｒｓ               ｗａｓ               ｔｈｅ               ｃｕｔｏｆｆ               ｔｈｒｅｓｈｏｌｄ,               ａｎｄ               ｓｏ               Ｉ               ｗａｓ               ｄｅｎｉｅｄ               ａ               "ｃｏｎｖｅｎｔｉｏｎａｌ"               ｌｏａｎ               ｆｏｒ               ａ               ｈｏｕｓｅ               Ｉ               ｃｏｕｌｄ               ｅａｓｉｌｙ               ａｆｆｏｒｄ.

Ｍｙ               ｗｉｆｅ               ａｎｄ               Ｉ               ｗｅｒｅ               ａｂｌｅ               ｔｏ               ｇｅｔ               ａｎ               ＦＨＡ-ｂａｃｋｅｄ               ｌｏａｎ,               ｗｈｉｃｈ               ｒｅｑｕｉｒｅｄ               ａ               ｓｕｂｓｔａｎｔｉａｌ               ｐｒｉｖａｔｅ               ｍｏｒｔｇａｇｅ               ｉｎｓｕｒａｎｃｅ               (ＰＭＩ)               ｐｒｅｍｉｕｍ,               ｉｒｒｅｓｐｅｃｔｉｖｅ               ｏｆ               ｔｈｅ               ｂｏｒｒｏｗｅｒ'ｓ               ａｍｏｕｎｔ               ｏｆ               ｅｑｕｉｔｙ               ｉｎ               ｔｈｅ               ｈｏｕｓｅ.

Ｗｈｉｌｅ               ｍｏｓｔ               ｂｏｒｒｏｗｅｒｓ               ｃｈｏｏｓｅ               ｔｏ               ｆｉｎａｎｃｅ               ｔｈｅ               ＰＭＩ               ｉｎｔｏ               ｔｈｅ               ｌｏａｎ,               Ｉ               ｄｅｃｉｄｅｄ               ｔｏ               ｐｕｔ               ｔｈｉｓ               ｎｏｎｓｅｎｓｅ               ｂｅｈｉｎｄ               ｍｅ               ｒｉｇｈｔ               ａｗａｙ               ａｎｄ               ｐａｙ               ｉｔ               ｕｐｆｒｏｎｔ.

Ｔｏ               ａｄｄ               ｉｎｓｕｌｔ               ｔｏ               ｉｎｊｕｒｙ,               ｔｈｅ               ｉｎｃｏｍｐｅｔｅｎｃｅ               ｏｆ               ｃｅｒｔａｉｎ               ｓｔａｆｆ               ａｔ               ｔｈｅ               ｌｅｎｄｉｎｇ               ｂａｎｋ               ｒｅｓｕｌｔｅｄ               ｉｎ               ｔｈｅ               ＰＭＩ               ｂｅｉｎｇ               ｄｏｕｂｌｅ-ｃｏｕｎｔｅｄ               ｏｎ               ｆｉｖｅ               ｓｅｐａｒａｔｅ               ｏｃｃａｓｉｏｎｓ               ａｓ               ｂｅｉｎｇ               ｂｏｔｈ               ｆｉｎａｎｃｅｄ               ｉｎｔｏ               ｔｈｅ               ｌｏａｎ               ａｎｄ               ｐａｉｄ               ｕｐｆｒｏｎｔ;               ａｐｐａｒｅｎｔｌｙ,               ｎｏｂｏｄｙ               ａｔ               ｔｈｉｓ               ｇａｒｇａｎｔｕａｎ,               ｎａｔｉｏｎｗｉｄｅ,               ｐｒｏｂａｂｌｙ               ｂａｉｌｅｄ-ｏｕｔ               ｉｎｓｔｉｔｕｔｉｏｎ               ｈａｄ               ｅｖｅｒ               ｅｎｃｏｕｎｔｅｒｅｄ               ａ               15-ｙｅａｒ,               ｆｉｘｅｄ-ｉｎｔｅｒｅｓｔ-ｒａｔｅ,               ＦＨＡ-ｂａｃｋｅｄ               ｌｏａｎ               ｗｉｔｈ               ｔｈｅ               ＰＭＩ               ｐａｉｄ               ｕｐｆｒｏｎｔ.

Ｉｎｄｅｅｄ,               ｏｕｒ               ｃｌｏｓｉｎｇ               ｗａｓ               ｄｅｌａｙｅｄ               ｂｅｃａｕｓｅ               ｏｆ               ｔｈｅ               ｂａｎｋ'ｓ               ｉｎａｂｉｌｉｔｙ               ｔｏ               ｐｒｏｍｐｔｌｙ               ｃｏｒｒｅｃｔ               ｔｈｉｓ               ｅｒｒｏｒ,               ａｎｄ               ｔｈｅ               ｅｒｒｏｒ               ｒｅｍａｉｎｅｄ               ｏｎ               ｔｈｅ               ｌｏａｎ               ｄｏｃｕｍｅｎｔｓ               ｏｎ               ｔｈｅ               ｄａｙ               ｏｆ               ｃｌｏｓｉｎｇ;               ｉｔ               ｗａｓ               ｏｎｌｙ               ｃｏｒｒｅｃｔｅｄ               ｖｉａ               ａｎ               ｅｍｅｒｇｅｎｃｙ               ｃａｌｌ               ｔｏ               ｔｈｅ               ｂａｎｋ               ｂｙ               ｏｕｒ               ｔｉｔｌｅ               ａｇｅｎｔ.

Ｉｆ               ｗｅ               ｗｅｒｅ               ａｎｙ               ｌｅｓｓ               ｖｉｇｉｌａｎｔ,               ｌｅｓｓ               ｐｅｒｓｉｓｔｅｎｔ,               ｏｒ               ｌｅｓｓ               ｍａｔｈｅｍａｔｉｃａｌｌｙ               ｉｎｃｌｉｎｅｄ,               ｗｅ               ｍｉｇｈｔ               ｈａｖｅ               ａｃｑｕｉｅｓｃｅｄ               ｔｏ               ｂｅｃｏｍｉｎｇ               ｓｅｖｅｒａｌ               ｔｈｏｕｓａｎｄ               ｄｏｌｌａｒｓ               ｐｏｏｒｅｒ.
               Ｔｈｅ               ｋｉｎｄｓ               ｏｆ               ｕｎｄｅｒｗｒｉｔｉｎｇ               ｃｒｉｔｅｒｉａ               Ｉ               ｄｅｓｃｒｉｂｅｄ               ｄｉｄ               ｅｘｉｓｔ               ｐｒｉｏｒ               ｔｏ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｃｒｉｓｉｓ,               ｂｕｔ               ｔｈｅｙ               ｗｅｒｅ               ｔｙｐｉｃａｌｌｙ               ｎｏｔ               ｕｓｅｄ               ａｓ               ｅｘｃｌｕｓｉｏｎａｒｙ               ｃｒｉｔｅｒｉａ.

Ｐｒｉｏｒ               ｔｏ               ｔｈｅ               ｃｒｉｓｉｓ,               ｉｆ               ａ               ｂｏｒｒｏｗｅｒ               ｆａｉｌｅｄ               ｔｏ               ｍｅｅｔ               ｏｎｅ               ｕｎｄｅｒｗｒｉｔｉｎｇ               ｂｅｎｃｈｍａｒｋ,               ｍｏｓｔ               ｂａｎｋｓ               ｗｏｕｌｄ               ｓｉｍｐｌｙ               ｄｅｍａｎｄ               ｈｉｇｈｅｒ               ｍｅａｓｕｒｅｓ               ｏｎ               ｔｈｅ               ｏｔｈｅｒ               ｂｅｎｃｈｍａｒｋｓ.

Ｔｈｕｓ,               ａ               ｓｈｏｒｔ               ｅｍｐｌｏｙｍｅｎｔ               ｈｉｓｔｏｒｙ               ｍｉｇｈｔ               ｂｅ               ｃｏｍｐｅｎｓａｔｅｄ               ｂｙ               ａ               ｌｏｗ               ｄｅｂｔ-ｔｏ-ｉｎｃｏｍｅ               ｒａｔｉｏ,               ｏｒ               ａｎ               "ｉｎｓｕｆｆｉｃｉｅｎｔ"               ｎｕｍｂｅｒ               ｏｆ               ｃｒｅｄｉｔ               ａｃｃｏｕｎｔｓ               ｍｉｇｈｔ               ｂｅ               ｏｖｅｒｌｏｏｋｅｄ               ｂｅｃａｕｓｅ               ｏｆ               ａ               20%               ｄｏｗｎ               ｐａｙｍｅｎｔ.

Ｔｏｄａｙ,               ｈｏｗｅｖｅｒ,               ｉｔ               ｉｓ               ａｌｌ               ｏｒ               ｎｏｔｈｉｎｇ               -               ａｎｄ               ｔｈｉｓ               ｉｓ               ｌｉｋｅｌｙ               ｔｏ               ｂｅｃｏｍｅ               ｔｈｅ               ｆｅｄｅｒａｌ               ｍａｎｄａｔｅ               ｔｈｒｏｕｇｈｏｕｔ               ｔｈｅ               ｅｎｔｉｒｅ               ｆｕｔｕｒｅ               ｏｆ               Ｕ.Ｓ.

ｍｏｒｔｇａｇｅ               ｌｅｎｄｉｎｇ.

Ｔｈｉｓ               ｗｉｌｌ               ｃｒｅａｔｅ               ａｎ               ｕｎｄｅｒｃｌａｓｓ               ｏｆ               ｐｒｏｐｅｒｔｙ-ｌｅｓｓ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｗｈｏｓｅ               ｅａｒｎｉｎｇｓ               ｂｅｃｏｍｅ               ｃｏｎｓｉｓｔｅｎｔｌｙ               ｉｎｆｌａｔｅｄ               ａｗａｙ               ｔｏ               ｐａｙ               ｆｏｒ               ｆｅｄｅｒａｌ               ｄｅｂｔｓ               ａｎｄ               ｏｂｌｉｇａｔｉｏｎｓ               ｔｏ               ｓｐｅｃｉａｌ               ｉｎｔｅｒｅｓｔｓ               ａｎｄ               ｓｏｍｅ               ｍｅｍｂｅｒｓ               ｏｆ               ｏｌｄｅｒ               ｇｅｎｅｒａｔｉｏｎｓ               ｗｈｏ               ｈａｖｅ               ａｃｑｕｉｒｅｄ               ｐｏｌｉｔｉｃａｌ               ｃｏｎｎｅｃｔｉｏｎｓ               ａｎｄ               ｉｎｆｌｕｅｎｃｅ.

Ｕｎｌｅｓｓ               ｔｈｅｙ               ｃａｎ               ｏｂｔａｉｎ               ｈｏｕｓｅｓ               ｓｈｏｒｔｌｙ               ｕｐｏｎ               ｅｎｔｅｒｉｎｇ               ｔｈｅ               ｊｏｂ               ｍａｒｋｅｔ               -               ｗｈｉｃｈ               ｔｈｅ               ｌａｗ               ｗｏｕｌｄ               ｅｓｓｅｎｔｉａｌｌｙ               ｐｒｏｈｉｂｉｔ,               ｅｘｃｅｐｔ               ｆｏｒ               ｔｈｏｓｅ               ｆｅｗ               ｗｉｔｈ               ｔｈｅ               ｍｏｎｅｙ               ｔｏ               ｂｕｙ               ａ               ｈｏｕｓｅ               ｏｕｔｒｉｇｈｔ               -               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｗｉｌｌ               ｎｅｖｅｒ               ｂｅ               ａｂｌｅ               ｔｏ               ｏｂｔａｉｎ               ｔｈｅｍ.

Ｔｈｉｓ               ｉｓ               ｂｅｃａｕｓｅ               ｂｙ               ｔｈｅ               ｔｉｍｅ               ｔｈｅｙ               ｈａｖｅ               ａｃｃｕｍｕｌａｔｅｄ               ｅｎｏｕｇｈ               "ｅｍｐｌｏｙｍｅｎｔ               ｈｉｓｔｏｒｙ",               ｔｈｅ               ｍｏｎｅｙ               ｔｈｅｙ               ｅａｒｎｅｄ               ｉｎ               ｔｈｅ               ｉｎｔｅｒｉｍ               ｗｉｌｌ               ｈａｖｅ               ｂｅｅｎ               ｄｅｖａｌｕｅｄ               ｃｏｎｓｉｄｅｒａｂｌｙ.

Ｓｌａｖｅ               ｌａｂｏｒ,               ａｎｙｏｎｅ?
               Ｉｍｐｌｉｃａｔｉｏｎｓ               ａｎｄ               Ｓｏｌｕｔｉｏｎｓ
               Ｔｈｅ               ｄｉｓｐｒｏｐｏｒｔｉｏｎａｔｅ               ｓｕｆｆｅｒｉｎｇ               ｏｆ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｄｕｒｉｎｇ               ｔｈｉｓ               ｃｒｉｓｉｓ               ｈａｓ               ｈａｄ               ｓｉｇｎｉｆｉｃａｎｔ               ａｎｄ               ｏｎｇｏｉｎｇ               ｓｏｃｉｅｔａｌ               ａｎｄ               ｅｃｏｎｏｍｉｃ               ｉｍｐｌｉｃａｔｉｏｎｓ.

Ａｍｏｎｇ               ｔｈｅｓｅ               ａｒｅ               ｔｈｅ               ｆｏｌｌｏｗｉｎｇ:
               Ｔｈｅｒｅ               ｉｓ               ａ               ｇｒｏｗｉｎｇ               ｄｉｓｉｌｌｕｓｉｏｎｍｅｎｔ               ｗｉｔｈ               ｔｈｅ               ｉｄｅａ               ｔｈａｔ               ｍｅｒｉｔ               ａｎｄ               ｅｆｆｏｒｔ               ａｒｅ               ｃｏｎｎｅｃｔｅｄ               ｗｉｔｈ               ｐｒｏｐｏｒｔｉｏｎａｔｅ               ｒｅｗａｒｄｓ:               ｔｏ               ｍａｎｙ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｔｏｄａｙ,               ｉｔ               ｓｅｅｍｓ               ｔｈａｔ               ｌｉｆｅ               ｗｉｌｌ               ｂｅ               ｐｏｏｒ               ｎｏ               ｍａｔｔｅｒ               ｈｏｗ               ｈａｒｄ               ｏｎｅ               ｔｒｉｅｓ.

Ｔｈｉｓ               ｍａｙ               ｃｏｎｔｉｎｕｅ               ｆｏｒ               ｄｅｃａｄｅｓ               ａｓ               ｔｈｅ               "ｌｏｓｔ               ｇｅｎｅｒａｔｉｏｎ"               ｏｆ               ｒｅｃｅｎｔ               ｃｏｌｌｅｇｅ               ｇｒａｄｕａｔｅｓ               ｉｓ               ｒｅｑｕｉｒｅｄ               ｔｏ               ｐａｙ               ｆｏｒ               ｔｈｅ               ａｃｃｅｌｅｒａｔｉｎｇ               ｇｒｏｗｔｈ               ｏｆ               ｆｅｄｅｒａｌ               ｏｂｌｉｇａｔｉｏｎｓ               ｔｈｒｏｕｇｈ               ｈｉｇｈｅｒ               ｔａｘｅｓ,               ｈｙｐｅｒｉｎｆｌａｔｉｏｎ,               ｍａｎｄａｔｏｒｙ               ｈｅａｌｔｈ               ｉｎｓｕｒａｎｃｅ,               ｄｉｍｉｎｉｓｈｅｄ               ｅｃｏｎｏｍｉｃ               ｇｒｏｗｔｈ,               ａｎｄ               ｓｔｉｆｌｉｎｇ               ｒｅｓｔｒｉｃｔｉｏｎｓ               ｏｎ               ｉｎｄｉｖｉｄｕａｌ               ｆｒｅｅｄｏｍ.

Ｉｎ               ｔｈｅ               ｍｅａｎｔｉｍｅ,               ｐｏｌｉｔｉｃａｌｌｙ               ｆａｖｏｒｅｄ               ｃｏｒｐｏｒａｔｉｏｎｓ               ａｎｄ               ｓｐｅｃｉａｌ               ｉｎｔｅｒｅｓｔ               ｇｒｏｕｐｓ               ｈａｖｅ               ｒｅｃｅｉｖｅｄ               ｕｎｐｒｅｃｅｄｅｎｔｅｄ               ｆｅｄｅｒａｌ               ｓｕｐｐｏｒｔ               ｆｏｒ               ｌｉｔｅｒａｌｌｙ               ｄｅｓｔｒｏｙｉｎｇ               ｗｅａｌｔｈ.
               Ｔｈｅｒｅ               ｈａｓ               ｂｅｅｎ               ａ               ｓｌｏｗｄｏｗｎ               ｉｎ               ｗｏｒｋｐｌａｃｅ               ｐｒｏｄｕｃｔｉｖｉｔｙ               ｂｅｃａｕｓｅ               ｏｆ               ａ               ｌａｃｋ               ｏｆ               ｙｏｕｎｇ               ｅｍｐｌｏｙｅｅｓ               ｗｈｏ               ａｒｅ               ｉｍｍｅｒｓｅｄ               ｉｎ               ｔｈｅ               ｌａｔｅｓｔ               ｔｅｃｈｎｏｌｏｇｉｅｓ               ａｎｄ               ｄｏ               ｎｏｔ               ｓｈｙ               ａｗａｙ               ｆｒｏｍ               ｔｈｅｍ               ｂｙ               ｈａｂｉｔ.

Ｏｌｄｅｒ,               ｌｅｓｓ               ｅｆｆｉｃｉｅｎｔ               ｗａｙｓ               ｏｆ               ｄｏｉｎｇ               ｂｕｓｉｎｅｓｓ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｐｒｅｄｏｍｉｎａｔｅ               ｂｅｃａｕｓｅ               ｎｏ               ｉｎｆｌｕｅｎｃｅｓ               ｃｏｕｎｔｅｒｂａｌａｎｃｅ               ｔｈｅ               ｈａｂｉｔｓ               ｏｆ               ｍａｎｙ               ｏｌｄｅｒ               ｗｏｒｋｅｒｓ               ｏｒ,               ｔｈｒｏｕｇｈ               ｔｈｅ               ｉｎｃｅｎｔｉｖｅｓ               ｏｆ               ｃｏｍｐｅｔｉｔｉｏｎ,               ｉｎｖｉｔｅ               ｔｈｏｓｅ               ｗｏｒｋｅｒｓ               ｔｏ               ｓｔｅｐ               ｏｕｔｓｉｄｅ               ｔｈｅｉｒ               ｃｏｍｆｏｒｔ               ｚｏｎｅｓ.

Ｗｈｉｌｅ               ｓｏｍｅ               ｏｆ               ｔｈｅ               ｍｏｒｅ               ｆｏｒｗａｒｄ-ｔｈｉｎｋｉｎｇ               ｏｌｄｅｒ               ｗｏｒｋｅｒｓ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｉｎｎｏｖａｔｅ               ｔｅｃｈｎｏｌｏｇｉｃａｌｌｙ,               ｔｈｅｒｅ               ａｒｅ               ｎｏｔ               ｅｎｏｕｇｈ               ｏｆ               ｔｈｅｍ               ｔｏ               ａｓｓｕｒｅ               ａ               ｓｕｆｆｉｃｉｅｎｔ               ｒａｔｅ               ｏｆ               ｐｒｏｇｒｅｓｓ               ｗｉｔｈｏｕｔ               ａ               ｓｔｅａｄｙ               ｉｎｆｌｕｘ               ｏｆ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               -               ｐｅｏｐｌｅ               ｗｈｏ               ｇｒｅｗ               ｕｐ               ｉｎ               ｔｈｅ               Ｉｎｔｅｒｎｅｔ               ｅｒａ               -               ｉｎｔｏ               ｔｈｅ               ｗｏｒｋｆｏｒｃｅ.

Ｖａｒｉｏｕｓ               ｆｅｄｅｒａｌ               ｍａｎｄａｔｅｓ,               ｃｏｒｐｏｒａｔｅ               ｓｕｂｓｉｄｉｅｓ               ａｎｄ               ｂａｉｌｏｕｔｓ,               ａｎｄ               ｏｔｈｅｒ               ｉｎｃｅｎｔｉｖｅｓ               ｔｏ               ｒｅｔａｉｎ               ｅｘｉｓｔｉｎｇ               ｉｎｓｔｉｔｕｔｉｏｎａｌ               ｓｔｒｕｃｔｕｒｅｓ               ｍａｙ               ｆｕｒｔｈｅｒ               ｏｓｓｉｆｙ               ａｎｄ               ｐｅｒｐｅｔｕａｔｅ               ｃｕｒｒｅｎｔ               ｍａｓｓｉｖｅ               ｂｕｓｉｎｅｓｓ               ｉｎｅｆｆｉｃｉｅｎｃｉｅｓ.
               Ｓｏｍｅ               ｏｆ               ｔｈｅ               ｌｅｓｓ               ｄｅｔｅｒｍｉｎｅｄ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｈａｖｅ               ｒｅｓｉｇｎｅｄ               ｔｈｅｍｓｅｌｖｅｓ               ｔｏ               ｃｏｎｔｉｎｕｅｄ               ｆｉｎａｎｃｉａｌ               ｄｅｐｅｎｄｅｎｃｅ               ｏｎ               ｔｈｅｉｒ               ｐａｒｅｎｔｓ               ａｆｔｅｒ               ｃｏｌｌｅｇｅ.

Ｔｈｉｓ               ｍａｙ               ｅｖｅｎｔｕａｌｌｙ               ｐｌｕｎｇｅ               ｔｈｅ               Ｕｎｉｔｅｄ               Ｓｔａｔｅｓ               ｉｎｔｏ               ｔｈｅ               ｄｉｌｅｍｍａ               ｅｘｐｅｒｉｅｎｃｅｄ               ｉｎ               Ｉｔａｌｙ               ａｎｄ               Ｓｐａｉｎ,               ｗｈｅｒｅ               ｍａｎｙ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｂｅ               ｓｕｐｐｏｒｔｅｄ               ｂｙ               ｔｈｅｉｒ               ｐａｒｅｎｔｓ               ｕｎｔｉｌ               ｔｈｅｉｒ               ｆｏｒｔｉｅｓ.

Ｔｈｉｓ               ｗｉｌｌ               ｌｅａｄ,               ｉｎ               ｍａｎｙ               ｐｅｏｐｌｅ,               ｔｏ               ａ               ｆｕｒｔｈｅｒ               ｅｘｔｅｎｓｉｏｎ               ｏｆ               "ｃａｒｅｆｒｅｅ"               ａｄｏｌｅｓｃｅｎｃｅ,               ｗｉｔｈ               ｉｔｓ               ｉｌｌ               ｓｏｃｉｅｔａｌ               ａｎｄ               ｅｃｏｎｏｍｉｃ               ｅｆｆｅｃｔｓ.

Ｗｏｒｓｅ               ｙｅｔ,               ｉｔ               ｗｉｌｌ               ｌｅａｄ               ｔｏ               ｔｈｅ               ｅｘｐｅｃｔａｔｉｏｎ               ｔｈａｔ               ｐｅｏｐｌｅ               ｒｅｍａｉｎ               ｉｎｆａｎｔｉｌｉｚｅｄ               ｕｎｔｉｌ               ｔｈｅｉｒ               ｈｅａｌｔｈ               ｂｅｇｉｎｓ               ｔｏ               ｄｅｃｌｉｎｅ               -               ｌｅａｖｉｎｇ               ｎｏ               ｐｅｒｉｏｄ               ｏｆ               ｓｉｍｕｌｔａｎｅｏｕｓ               ｙｏｕｔｈ               ａｎｄ               ｐｒｏｓｐｅｒｉｔｙ               ｄｕｒｉｎｇ               ｗｈｉｃｈ               ｔｈｅ               ｇｒｅａｔｅｓｔ               ａｃｃｏｍｐｌｉｓｈｍｅｎｔｓ               ａｒｅ               ｐｏｓｓｉｂｌｅ.

Ｔｈｅ               ｍｏｓｔ               ｒｅｓｐｏｎｓｉｂｌｅ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｗｉｌｌ               ｓｔｉｌｌ               ｔｒｙ               ｔｏ               ｍａｋｅ               ｉｔ               ｏｎ               ｔｈｅｉｒ               ｏｗｎ,               ｂｕｔ               ｔｈｅｙ               ｗｉｌｌ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｂｅ               ｄｅｎｉｅｄ               ｏｐｐｏｒｔｕｎｉｔｉｅｓ               ｖｉａ               ｃｏｅｒｃｉｖｅ               ｍｅａｎｓ               -               ｊｕｓｔ               ａｓ               ａｎ               ｅｎｔｅｒｐｒｉｓｉｎｇ               ｔｅｅｎａｇｅｒ               ｓｅｅｋｉｎｇ               ｔｏ               ｓｔａｒｔ               ｈｉｓ               ｏｗｎ               ｂｕｓｉｎｅｓｓ               ｍｉｇｈｔ               ｂｅ               ｔｈｗａｒｔｅｄ               ｕｎｄｅｒ               ｔｏｄａｙ'ｓ               ｃｈｉｌｄ               ｌａｂｏｒ               ｌａｗｓ.
               Ｉｎ               ｌｏｗｅｒ-ｉｎｃｏｍｅ               ａｒｅａｓ               -               ｐａｒｔｉｃｕｌａｒｌｙ               ｔｈｅ               ｕｒｂａｎ               ｇｈｅｔｔｏｅｓ               -               ｍａｒｒｉａｇｅ               ａｎｄ               ｆａｍｉｌｙ               ｈａｖｅ               ｂｅｃｏｍｅ               ｅｖｅｎ               ｆｕｒｔｈｅｒ               ｔｈｒｅａｔｅｎｅｄ,               ａｓ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｉｎ               ｔｈｏｓｅ               ａｒｅａｓ               ｓｅｅ               ｎｏ               ａｖｅｎｕｅｓ               ｏｆ               ｆｉｎａｎｃｉａｌ               ｍｏｂｉｌｉｔｙ               ｂｙ               ｗｈｉｃｈ               ｔｈｅｙ               ａｒｅ               ａｂｌｅ               ｔｏ               ｓｕｓｔａｉｎ               ａ               ｓｐｏｕｓｅ               ａｎｄ               ｃｈｉｌｄｒｅｎ.

Ｍｅａｎｗｈｉｌｅ,               ｔｈｏｓｅ               ａｒｅａｓ               ｃｏｎｔｉｎｕｅ               ｔｏ               ｂｅ               ｐｌａｇｕｅｄ               ｂｙ               ｔｈｅ               ｒｅｆｕｓａｌ               ｏｆ               ｍａｎｙ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｔｏ               ｔａｋｅ               ｃａｒｅ               ｏｆ               ｔｈｅｉｒ               ｏｕｔ-ｏｆ-ｗｅｄｌｏｃｋ               ｃｈｉｌｄｒｅｎ.
               Ｔｈｅ               ｎｅｘｕｓ               ｏｆ               ｐｒｅ-ｃｒｉｓｉｓ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｈａｓ               ｓｕｒｖｉｖｅｄ               ｔｈｅ               ｃｒｉｓｉｓ               ｌａｒｇｅｌｙ               ｉｎｔａｃｔ               ｂｅｃａｕｓｅ               ｏｆ               ｆｅｄｅｒａｌ               ｓｕｐｐｏｒｔ.

Ｔｈｅｓｅ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｈａｖｅ               ｂｅｃｏｍｅ               ａ               ｎｅｗ               ｆｅｕｄａｌ/ｇｕｉｌｄ               ｓｙｓｔｅｍ               ｗｈｉｃｈ               ｐｅｒｐｅｔｕａｔｅｓ               ｏｂｓｏｌｅｔｅ               ａｎｄ               ｗｅａｌｔｈ-ｄｅｓｔｒｏｙｉｎｇ               ｅｃｏｎｏｍｉｃ               ａｒｒａｎｇｅｍｅｎｔｓ.

Ａｓ               ｔｈｅ               ｒｅｃｏｒｄ               ｏｆ               ｔｈｅ               Ｃｏｎｇｒｅｓｓ               ａｎｄ               Ｏｂａｍａ               ａｄｍｉｎｉｓｔｒａｔｉｏｎ               ｈａｓ               ｓｈｏｗｎ,               ａｎｙ               ａｔｔｅｍｐｔｓ               ａｔ               ｆｅｄｅｒａｌｌｙ               ｉｍｐｏｓｅｄ               "ｒｅｆｏｒｍ"               ｏｎｌｙ               ｆｕｒｔｈｅｒ               ｅｎｔｒｅｎｃｈ               ｔｈｅｓｅ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｂｙ               ｅｎｓｈｒｉｎｉｎｇ               ｓｏｍｅ               ｖａｒｉａｎｔ               ｏｆ               ｅｘｉｓｔｉｎｇ               ｐｒａｃｔｉｃｅｓ               ｉｎｔｏ               ｌａｗ.

Ｔｈｅ               ｄｏｍｉｎａｎｔ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ａｒｅ               ｇｅｎｅｒａｌｌｙ               ｕｎｉｎｔｅｒｅｓｔｅｄ               ｉｎ               ｈｉｒｉｎｇ               ｒｅｃｅｎｔ               ｃｏｌｌｅｇｅ               ｇｒａｄｕａｔｅｓ,               ｗｈｏｓｅ               ｃｕｌｔｕｒａｌ               ｅｘｐｅｃｔａｔｉｏｎｓ               -               ａｓ               ｅｐｉｔｏｍｉｚｅｄ               ｂｙ               ｔｈｅ               ｆｒｅｅ               ｃｕｌｔｕｒｅ               ｄｏｍｉｎａｎｔ               ｏｎ               ｔｈｅ               Ｉｎｔｅｒｎｅｔ               -               ａｒｅ               ａｔ               ｏｄｄｓ               ｗｉｔｈ               ｔｈｅ               ｈｙｐｅｒ-ｃｏｍｐａｒｔｍｅｎｔａｌｉｚｅｄ,               ｕｌｔｒａ-ｒｅｓｔｒｉｃｔｅｄ,               "ｃｏｇ               ｉｎ               ｔｈｅ               ｍａｃｈｉｎｅ"               ｃｕｌｔｕｒｅ               ｏｆ               ｔｈｅ               ｂａｉｌｅｄ-ｏｕｔ,               ｓｕｂｓｉｄｉｚｅｄ               Ｕ.Ｓ.

ｃｏｒｐｏｒａｔｉｏｎｓ.
               Ｍｅａｎｗｈｉｌｅ,               ｔｈｅ               ｈｏｎｅｓｔ,               ｒｅｌａｔｉｖｅｌｙ               ｐｏｌｉｔｉｃａｌｌｙ               ｕｎｃｏｎｎｅｃｔｅｄ               ｂｕｓｉｎｅｓｓｅｓ               ｆｅａｒ               ｔｏ               ｈｉｒｅ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｂｅｃａｕｓｅ               ｏｆ               ｔｈｅ               ｅｃｏｎｏｍｉｃ               ｕｎｃｅｒｔａｉｎｔｙ               ｅｎｇｅｎｄｅｒｅｄ               ｂｙ               ｆｅｄｅｒａｌ               ｐｏｌｉｃｙ.

Ｗｈｏ               ｋｎｏｗｓ               ｗｈａｔ               ｓｏｒｔｓ               ｏｆ               ｍａｎｄａｔｅｄ               ｂｅｎｅｆｉｔｓ,               ｐａｐｅｒｗｏｒｋ,               ａｎｄ               ｏｔｈｅｒ               ｆｅｄｅｒａｌｌｙ               ｉｍｐｏｓｅｄ               ｏｂｌｉｇａｔｉｏｎｓ               ｔｈｏｓｅ               ｎｅｗ               ｅｍｐｌｏｙｅｅｓ               ｗｉｌｌ               ｂｒｉｎｇ               ｗｉｔｈ               ｔｈｅｍ               -               ｅｓｐｅｃｉａｌｌｙ               ｓｅｖｅｒａｌ               ｙｅａｒｓ               ｉｎ               ｔｈｅ               ｆｕｔｕｒｅ?

Ｍａｎｙ               ｂｕｓｉｎｅｓｓ               ｏｗｎｅｒｓ,               ｅｖｅｎ               ｉｆ               ｔｈｅｙ               ｒｅｃｏｇｎｉｚｅ               ｔｈａｔ               ｔａｌｅｎｔｅｄ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｗｏｕｌｄ               ｂｅｎｅｆｉｔ               ｔｈｅｉｒ               ｅｎｔｅｒｐｒｉｓｅｓ,               ａｒｅ               ｄｅｔｅｒｒｅｄ               ｆｒｏｍ               ｈｉｒｉｎｇ               ｂｅｃａｕｓｅ               ｏｆ               ｒａｔｉｏｎａｌ               ａｎｄ               ｕｎｄｅｒｓｔａｎｄａｂｌｅ               ｄｅｓｉｒｅｓ               ｎｏｔ               ｔｏ               ｂｅ               ｂｕｒｄｅｎｅｄ               ｂｙ               ｔｈｅ               ｐｏｌｉｔｉｃａｌ               ｃｈａｌｌｅｎｇｅｓ               ｔｈａｔ               ｍｉｇｈｔ               ａｃｃｏｍｐａｎｙ               ｓｕｃｈ               ａ               ｄｅｃｉｓｉｏｎ.
               Ｉｔ               ｓｅｅｍｓ               ｔｈａｔ               ｔｈｅ               ｐｒｅｓｅｎｔ               ｙｏｕｎｇ               ｇｅｎｅｒａｔｉｏｎ               ｈａｓ               ｌａｒｇｅｌｙ               ｂｅｅｎ               ｄｅｓｉｇｎａｔｅｄ               ａｓ               ｔｈｅ               ｐａｒｔｙ               ｏｎｔｏ               ｗｈｉｃｈ               ｔｈｅ               ｃｏｓｔｓ               ｏｆ               ｔｈｉｓ               ｃｒｉｓｉｓ               ｓｈａｌｌ               ｂｅ               ｏｆｆｌｏａｄｅｄ.

Ｔｈｉｓ               ｗａｓ               ｎｏｔ               ｂｒｏｕｇｈｔ               ａｂｏｕｔ               ｂｙ               ａ               ｄｅｌｉｂｅｒａｔｅ               ｃｅｎｔｒａｌ               ｄｅｓｉｇｎ               (ｔｈｏｕｇｈ               ｍａｎｙ               ｄｅｌｉｂｅｒａｔｅ               ｃｅｎｔｒａｌ               ｄｅｓｉｇｎｓ               ｃｏｎｔｒｉｂｕｔｅｄ               ｔｏ               ｉｔ),               ｂｕｔ               ｒａｔｈｅｒ               ａｓ               ｔｈｅ               ｉｎｅｘｏｒａｂｌｅ               ｏｕｔｃｏｍｅ               ｏｆ               ｔｈｅ               ｃｕｒｒｅｎｔｌｙ               ｄｏｍｉｎａｎｔ               ｍｏｒａｓｓ               ｏｆ               "ｖａｍｐｉｒｅ"               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｗｈｉｃｈ               ｈａｖｅ               ｏｕｔｌａｓｔｅｄ               ｔｈｅｉｒ               ｔｉｍｅ.

Ｏｎｌｙ               ｔｈｅ               ｒｅｐｌａｃｅｍｅｎｔ               ｏｆ               ｔｈｅｓｅ               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｃａｎ               ｒｅｔｕｒｎ               ａ               ｓｅｍｂｌａｎｃｅ               ｏｆ               ｐｒｏｓｐｅｒｉｔｙ               ｔｏ               ｍｏｓｔ               ｍｅｍｂｅｒｓ               ｏｆ               ｔｏｄａｙ'ｓ               "ｌｏｓｔ               ｇｅｎｅｒａｔｉｏｎ".

Ｍｏｒｅｏｖｅｒ,               ｏｎｌｙ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｔｈｅｍｓｅｌｖｅｓ               ｃａｎ               ｅｆｆｅｃｔｕａｔｅ               ｔｈｅ               ｄｅｓｉｒａｂｌｅ               ｎｅｗ               ｉｎｓｔｉｔｕｔｉｏｎｓ,               ｗｈｉｃｈ               ｓｈｏｕｌｄ               ｂｅ               ｍｏｄｅｌｅｄ               ｏｎ               ｔｈｅ               ｆｒｅｅ,               ｏｐｅｎ,               ａｎｄ               ｐａｒｔｉｃｉｐａｔｏｒｙ               ｃｕｌｔｕｒｅ               ｏｆ               ｔｈｅ               Ｉｎｔｅｒｎｅｔ.

Ｔｈｅｒｅ               ｃａｎ               ｂｅ               ｎｏ               ｂｅｔｔｅｒ               ｅｘａｍｐｌｅ               ｔｈａｎ               ｔｈｅ               Ｉｎｔｅｒｎｅｔ               ｆｏｒ               ｗｈａｔ               ｔｈｅ               ｃｒｅａｔｉｖｉｔｙ               ｏｆ               ｅｖｅｎ               ａｖｅｒａｇｅ               ｈｕｍａｎｓ               ｃａｎ               ａｃｈｉｅｖｅ               ｗｈｅｎ               ｉｔ               ｉｓ               ｎｏｔ               ｓｔｒｉｃｔｌｙ               ｂｏｕｎｄ               ｔｏ               ｎａｒｒｏｗｌｙ               ｄｅｆｉｎｅｄ               ｅｓｔａｂｌｉｓｈｅｄ               ｗａｙｓ               ｏｆ               ｄｏｉｎｇ               ｔｈｉｎｇｓ.

Ｍｏｒｅｏｖｅｒ,               ｔｈｅ               Ｉｎｔｅｒｎｅｔ               ｆａｃｉｌｉｔａｔｅｓ               ａｌｔｅｒｎａｔｉｖｅ               ｍｅｔｈｏｄｓ               ｏｆ               ｈｕｍａｎ               ｉｎｔｅｒａｃｔｉｏｎｓ               ｔｏ               ｔｈｏｓｅ               ｓａｎｃｔｉｏｎｅｄ               ｂｙ               ｔｈｅ               ｂａｉｌｅｄ-ｏｕｔ               ｉｎｓｔｉｔｕｔｉｏｎａｌ               ｅｓｔａｂｌｉｓｈｍｅｎｔ.
               Ｉ               ｍｅｎｔｉｏｎｅｄ               ｐｒｅｖｉｏｕｓｌｙ               ｔｈａｔ               ａｎｇｅｒ               ｉｓ               ｔｈｅ               ｗａｒｒａｎｔｅｄ               ｒｅｓｐｏｎｓｅ               ｏｆ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ａｔ               ｔｈｅ               ｐｒｅｓｅｎｔ               ｐｒｅｄｉｃａｍｅｎｔ               -               ｆｏｒ               ａｎｇｅｒ               ｉｓ               ａ               ｆａｒ               ｂｅｔｔｅｒ               ｒｅｓｐｏｎｓｅ               ｔｈａｎ               ｄｅｓｐａｉｒ               ａｎｄ               ｄｅｐｒｅｓｓｉｏｎ.

Ｂｕｔ               ｎｏｔ               ｊｕｓｔ               ａｎｙ               ａｎｇｅｒ               ｗｉｌｌ               ｄｏ;               ｉｔ               ｍｕｓｔ               ｂｅ               ｃｈａｎｎｅｌｅｄ               ｃｏｎｓｔｒｕｃｔｉｖｅｌｙ.

Ｐｒｏｔｅｓｔ               ｒａｌｌｉｅｓ               ａｎｄ               ｏｔｈｅｒ               ｐｕｂｌｉｃｉｔｙ               ｓｔｕｎｔｓ,               ｆｏｒ               ｉｎｓｔａｎｃｅ,               ｗｉｌｌ               ａｃｃｏｍｐｌｉｓｈ               ｎｏｔｈｉｎｇ,               ｗｈｉｌｅ               ｓｔｒｉｋｅｓ               ｏｒ               ｗｏｒｋ               ｓｌｏｗｄｏｗｎｓ               ｗｉｌｌ               ｏｎｌｙ               ｅｘａｃｅｒｂａｔｅ               ｔｈｅ               ｐｒｏｂｌｅｍ.

Ｎｏ               -               ｔｈｅ               ｓｏｌｕｔｉｏｎ               ｌｉｅｓ               ｉｎ               ｍｏｒｅ               ｄｅｔｅｒｍｉｎａｔｉｏｎ,               ｍｏｒｅ               ｐｒｏｄｕｃｔｉｖｉｔｙ,               ｍｏｒｅ               ａｃｈｉｅｖｅｍｅｎｔ,               ｍｏｒｅ               ｉｎｎｏｖａｔｉｏｎ               -               ｔｏ               ｏｖｅｒｃｏｍｅ               ｔｈｒｏｕｇｈ               ｔｈｅ               ｓｔｒｅｎｇｔｈ               ｏｆ               ｍｉｎｄ               ａｎｄ               ｗｉｌｌ               ｔｈｅ               ｂａｒｒｉｅｒｓ               ｐｏｓｅｄ               ｂｙ               ｔｈｅ               ｏｂｓｏｌｅｔｅ               ｄｏｍｉｎａｎｔ               ｉｎｓｔｉｔｕｔｉｏｎｓ.

Ｔｈｅ               ｙｏｕｎｇ               ｐｅｒｓｏｎ'ｓ               ｂｅｓｔ               ｆｒｉｅｎｄ               ｉｎ               ｔｈｉｓ               ｅｎｄｅａｖｏｒ               ｉｓ               ｔｅｃｈｎｏｌｏｇｙ,               ｗｈｉｃｈ               ｄｒａｍａｔｉｃａｌｌｙ               ａｍｐｌｉｆｉｅｓ               ａ               ｐｅｒｓｏｎ'ｓ               ｐｒｏｄｕｃｔｉｖｅ               ｃａｐａｃｉｔｙ               ａｎｄ,               ｂｙ               ｉｍｐｌｉｃａｔｉｏｎ,               ｔｈａｔ               ｐｅｒｓｏｎ'ｓ               ｉｍｐａｃｔ               ｏｎ               ｔｈｅ               ｗｏｒｌｄ.

Ｔｅｃｈｎｏｌｏｇｙ               ｃｈａｌｌｅｎｇｅｓ               ｅｓｔａｂｌｉｓｈｅｄ               ｍｅｄｉａ,               ｆｉｎａｎｃｉａｌ               ｉｎｓｔｉｔｕｔｉｏｎｓ,               ａｎｄ               ｐｒｏｄｕｃｔｉｏｎ               ｍｅｔｈｏｄｓ.

Ｉｎｆｏｒｍａｔｉｏｎ               ｔｅｃｈｎｏｌｏｇｙ               ｅｓｐｅｃｉａｌｌｙ               ｂｒｉｎｇｓ               ｔｏ               ｔｈｅ               ｏｒｄｉｎａｒｙ               ｐｅｏｐｌｅ               ａ               ｄｅｇｒｅｅ               ｏｆ               ｓｅｌｆ-ｓｏｖｅｒｅｉｇｎｔｙ               ａｎｄ               ｍａｓｔｅｒｙ               ｏｆ               ｔｈｅ               ｅｘｔｅｒｎａｌ               ｗｏｒｌｄ               ｔｈａｔ               ｔｈｅ               ｐｏｌｉｔｉｃａｌｌｙ               ｐｒｉｖｉｌｅｇｅｄ               ｈａｖｅ               ａｌｗａｙｓ               ａｔｔｅｍｐｔｅｄ               -               ａｎｄ               ａｓｓｉｄｕｏｕｓｌｙ               ｃｏｎｔｉｎｕｅ               ｔｏ               ａｔｔｅｍｐｔ               -               ｔｏ               ｍｏｎｏｐｏｌｉｚｅ.

Ｔｅｃｈｎｏｌｏｇｙ               ｃａｎ               ｐｒｏｖｉｄｅ               ｆｒｅｅ,               ｌｅｇａｌ               ａｃｃｅｓｓ               ｔｏ               ｅｄｕｃａｔｉｏｎ,               ａｒｔ,               ａｎｄ               ｅｎｔｅｒｔａｉｎｍｅｎｔ.

Ｉｔ               ｃａｎ               ｒｅｍｏｖｅ               ｍｏｓｔ               ｏｆ               ｔｈｅ               ｉｎｅｆｆｉｃｉｅｎｃｉｅｓ               ｃｏｎｖｅｎｔｉｏｎａｌｌｙ               ａｓｓｏｃｉａｔｅｄ               ｗｉｔｈ               ｃｏｍｍｕｎｉｃａｔｉｏｎ.

Ｍｏｓｔ               ｉｍｐｏｒｔａｎｔｌｙ,               ｔｈｏｕｇｈ,               ｉｔ               ｂｒｉｎｇｓ               ｗｉｔｈ               ｉｔ               ａ               ｍａｒｖｅｌｏｕｓ               ｄｅｃｅｎｔｒａｌｉｚｉｎｇ               ｃｕｌｔｕｒａｌ               ａｎｄ               ｅｃｏｎｏｍｉｃ               ｓｈｉｆｔ               ｔｈａｔ               ｒｅｎｄｅｒｓ               ｉｎｃｒｅａｓｉｎｇｌｙ               ｆｅｗｅｒ               ａｒｅａｓ               ｏｆ               ａ               ｐｅｒｓｏｎ'ｓ               ｌｉｆｅ               ｉｎｅｘｔｒｉｃａｂｌｙ               ｄｅｐｅｎｄｅｎｔ               ｏｎ               ｅｓｔａｂｌｉｓｈｅｄ               ｉｎｓｔｉｔｕｔｉｏｎｓ.

Ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｔｏｄａｙ               ｓｈｏｕｌｄ               ｃｒｅａｔｅ               ａｎ               ａｌｔｅｒｎａｔｉｖｅ               ｅｃｏｎｏｍｙ               ｂａｓｅｄ               ｏｎ               ｐｅｒｓｏｎａｌ               ｔｅｃｈｎｏｌｏｇｙ               -               ｗｈｉｃｈ               ｗｏｕｌｄ               ａｌｓｏ               ｂｅ               ｌａｒｇｅｌｙ               ｉｎｄｅｐｅｎｄｅｎｔ               ｏｆ               ｔｈｅ               ｍａｎｉｐｕｌａｔｉｏｎｓ               ｏｆ               ｍｏｎｅｔａｒｙ               ａｕｔｈｏｒｉｔｉｅｓ               ａｎｄ               ｍｉｇｈｔ               ｅｖｅｎ               ｃｏｕｎｔｅｒａｃｔ               ｉｎｆｌａｔｉｏｎａｒｙ               ｔｅｎｄｅｎｃｉｅｓ               ｂｙ               ｉｎｃｒｅａｓｉｎｇ               ｔｈｅ               ｑｕａｎｔｉｔｙ               ｏｆ               ｇｏｏｄｓ               "ｃｈａｓｅｄ"               ｂｙ               ｍｏｎｅｙ.

Ｓｕｃｈ               ａｎ               ｅｃｏｎｏｍｙ               ｉｓ               ａｌｒｅａｄｙ               ｍａｎｉｆｅｓｔ               ｉｎ               ｔｈｅ               ｏｐｅｎ-ｓｏｕｒｃｅ               ａｎｄ               Ｃｒｅａｔｉｖｅ               Ｃｏｍｍｏｎｓ               ｍｏｄｅｌｓ               ｗｈｉｃｈ               ｈａｖｅ               ｓｕｒｇｅｄ               ｉｎ               ｐｏｐｕｌａｒｉｔｙ               ｏｎｌｉｎｅ.

Ｔｈｅ               ｇｒｅａｔ               ｃｈａｌｌｅｎｇｅ               ｏｆ               ｏｕｒ               ｇｅｎｅｒａｔｉｏｎ               ｗｉｌｌ               ｂｅ               ｔｏ               ｂｒｉｎｇ               ｔｈｉｓ               ｍｏｄｅｌ               ｉｎｔｏ               ｔｈｅ               ｒｅａｌｍ               ｏｆ               ｔｈｅ               ｍｏｓｔ               ｔａｎｇｉｂｌｅ               ｇｏｏｄｓ               ｉｍａｇｉｎａｂｌｅ.

Ｆｏｒｔｕｎａｔｅｌｙ,               ｔｈｅ               ｒａｔｅ               ａｔ               ｗｈｉｃｈ               ｔｅｃｈｎｏｌｏｇｉｃａｌ               ｋｎｏｗｌｅｄｇｅ               ａｄｖａｎｃｅｓ               ｈａｓ               ｎｅｖｅｒ               ｂｅｅｎ               ｆａｓｔｅｒ,               ｅｖｅｎ               ｗｉｔｈ               ｔｈｉｓ               ｃｒｉｓｉｓ.

Ｔｈｅ               ｋｅｙ               ｗｉｌｌ               ｂｅ               ｔｏ               ｉｍｐｌｅｍｅｎｔ               ｐｏｔｅｎｔｉａｌｌｙ               ｗｏｒｌｄ-ｃｈａｎｇｉｎｇ               ｎｅｗ               ｋｎｏｗｌｅｄｇｅ.
               Ｉｎ               ｅｆｆｅｃｔ,               Ｉ               ａｍ               ｐｒｏｐｏｓｉｎｇ               ａ               ｃｕｌｔｕｒａｌ               ｒｅｓｉｓｔａｎｃｅ               ｔｏ               ｔｈｅ               ｄｒｉｖｉｎｇ               ｆｏｒｃｅｓ               ｂｅｈｉｎｄ               ｔｈｉｓ               ｃｒｉｓｉｓ.

Ｔｈｉｓ               ｒｅｓｉｓｔａｎｃｅ               ｉｓ,               ｉｎ               ｍａｎｙ               ｗａｙｓ,               ｔｈｅ               ｄｉａｍｅｔｒｉｃａｌ               ｏｐｐｏｓｉｔｅ               ｏｆ               ｔｈｅ               ｃａｍｐｕｓ               ｒｅｂｅｌｌｉｏｎｓ               ｏｆ               ｔｈｅ               1960ｓ               ｇｅｎｅｒａｔｉｏｎ               -               ｔｈｅ               ｇｅｎｅｒａｔｉｏｎ               ｗｈｉｃｈ               ｃｕｒｒｅｎｔｌｙ               ｏｃｃｕｐｉｅｓ               ｔｈｅ               ｄｏｍｉｎａｎｔ               ｒｏｌｅｓ               ｉｎ               ｏｕｒ               ｓｏｃｉｅｔｙ.

Ｉｎｓｔｅａｄ               ｏｆ               ｄｉｓｄａｉｎｉｎｇ               ｗｅａｌｔｈ,               ｃｏｍｆｏｒｔ,               ａｎｄ               ｒｅｓｐｅｃｔａｂｉｌｉｔｙ,               ｔｏｄａｙ'ｓ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｓｈｏｕｌｄ               ｓｔｒｉｖｅ               ｆｏｒ               ｔｈｅｓｅ               ｖａｌｕｅｓ               ｗｉｔｈ               ｒｅｎｅｗｅｄ               ｖｉｇｏｒ               -               ｉｆ               ｏｎｌｙ               ｔｏ               ｓｈｏｗ               ｔｈａｔ               ｔｈｅ               "ｖａｍｐｉｒｅ"               ｉｎｓｔｉｔｕｔｉｏｎｓ               ｃａｎｎｏｔ               ｄｅｆｅａｔ               ｔｈｅｉｒ               ａｓｐｉｒａｔｉｏｎｓ               ｔｏ               ｐｒｏｓｐｅｒｉｔｙ               ａｎｄ               ｈａｐｐｉｎｅｓｓ.

Ｍｏｒｅｏｖｅｒ,               ｔｈｅ               ｐｒｏｆｏｕｎｄ               ｉｎｊｕｓｔｉｃｅｓ               ｏｆ               ｔｈｅ               ｃｒｉｓｉｓ               ａｎｄ               ｔｈｅ               ｅｎｏｒｍｏｕｓ               ｇａｐ               ｂｅｔｗｅｅｎ               ａｃｈｉｅｖｅｍｅｎｔ               ａｎｄ               ｒｅｗａｒｄ               ｅｘｉｓｔｉｎｇ               ｔｏｄａｙ               ｓｈｏｕｌｄ               ｍｏｔｉｖａｔｅ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｔｏ               ｓｔｒｉｖｅ               ｆｏｒ               ａ               ｓｏｃｉｅｔｙ               ｂａｓｅｄ               ｉｎ               ａｌｌ               ｉｔｓ               ｄｉｍｅｎｓｉｏｎｓ               ｏｎ               ｔｈｅ               ｐｒｉｎｃｉｐｌｅ               ｏｆ               ｍｅｒｉｔ               -               ｔｈｅ               ｐｒｉｎｃｉｐｌｅ               ｔｈａｔ               ａ               ｐｅｒｓｏｎ               ｓｈｏｕｌｄ               ｒｉｓｅ               ａｎｄ               ｆａｌｌ               ｂａｓｅｄ               ｏｎ               ｈｉｓ               ｉｎｄｉｖｉｄｕａｌ               ｑｕａｌｉｔｉｅｓ               ａｎｄ               ａｃｈｉｅｖｅｍｅｎｔｓ,               ｎｏｔ               ｏｎ               ｔｈｅ               ａｒｂｉｔｒａｒｙ,               ｏｎｅ-ｓｉｚｅ-ｆｉｔｓ-ａｌｌ               ｄｅｃｉｓｉｏｎｓ               ｏｆ               ｔｈｅ               ｐａｒｔｉｅｓ               ｔｈａｔ               ｃａｕｓｅｄ               ｔｈｅ               ｃｒｉｓｉｓ.
               Ｔｏ               ｏｖｅｒｔｕｒｎ               ｔｈｅ               ｓｔａｔｕｓ-ｑｕｏ-ｐｒｅｓｅｒｖｉｎｇ               ｃｏｍｍａｎｄ-ａｎｄ-ｃｏｎｔｒｏｌ               ｃｏｌｌｅｃｔｉｖｉｓｍ               ｏｆ               ｔｈｅ               ｄｏｍｉｎａｎｔ               ｐｏｗｅｒｓ               ａｎｄ               ｒｅｐｌａｃｅ               ｉｔ               ｗｉｔｈ               ａｎ               ｉｎｄｉｖｉｄｕａｌｉｓｔｉｃ,               ｍｅｒｉｔｏｃｒａｔｉｃ               ｓｏｃｉｅｔｙ               ｃｈａｒａｃｔｅｒｉｚｅｄ               ｂｙ               ｒａｐｉｄｌｙ               ａｃｃｅｌｅｒａｔｉｎｇ               ｔｅｃｈｎｏｌｏｇｉｃａｌ               ｐｒｏｇｒｅｓｓ               ｏｆ               ｅｖｅｒｙｄａｙ               ｒｅｌｅｖａｎｃｅ               ａｎｄ               ｖｉｓｉｂｉｌｉｔｙ,               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｔｏｄａｙ               ｗｉｌｌ               ｎｅｅｄ               ｔｏ               ａｃｃｕｍｕｌａｔｅ               ｒｅｓｏｕｒｃｅｓ               ｏｆ               ｅｖｅｒｙ               ｋｉｎｄ,               ｂｏｔｈ               ｔｈｒｏｕｇｈ               ｃｏｎｖｅｎｔｉｏｎａｌ               ａｎｄ               ａｌｔｅｒｎａｔｉｖｅ               ｃｈａｎｎｅｌｓ.

Ａｎｙ               ｐｏｓｉｔｉｏｎ,               ｗｉｔｈｉｎ               ｏｒ               ｏｕｔｓｉｄｅ               ｅｓｔａｂｌｉｓｈｅｄ               ｉｎｓｔｉｔｕｔｉｏｎｓ,               ｔｈａｔ               ｂｒｉｎｇｓ               ａｂｏｕｔ               ａｃｃｅｓｓ               ｔｏ               ｓｕｃｈ               ｒｅｓｏｕｒｃｅｓ               ｓｈｏｕｌｄ               ｂｅ               ｗｅｌｃｏｍｅｄ.

Ｆｏｒ               ｔｈｏｓｅ               ｆｏｒｔｕｎａｔｅ               ｔｏ               ｇｅｔ               ａｎｙ               ｊｏｂ               ａｔ               ａｎｙ               ｉｎｓｔｉｔｕｔｉｏｎ               -               ｐｒｉｖａｔｅ               ｏｒ               ｐｕｂｌｉｃ,               ｏｌｄ               ｏｒ               ｎｅｗ               -               ｗｏｒｋｉｎｇ               ｗｉｔｈ               ｈｏｎｅｓｔｙ               ａｎｄ               ｉｎｔｅｇｒｉｔｙ               ｔｏ               ｉｍｐｒｏｖｅ               ｔｈａｔ               ｉｎｓｔｉｔｕｔｉｏｎ               -               ｔｏ               ｉｍｂｕｅ               ｉｔ               ｗｉｔｈ               ｐｒｏｇｒｅｓｓ,               ｊｕｓｔｉｃｅ,               ａｎｄ               ｒｅｓｐｅｃｔ               ｆｏｒ               ｈｕｍａｎ               ｒｉｇｈｔｓ               ａｎｄ               ｖｉｒｔｕｅｓ               -               ｉｓ               ｉｎ               ｉｔｓｅｌｆ               ａ               ｐｒａｉｓｅｗｏｒｔｈｙ               ｅｎｄｅａｖｏｒ;               ｉｔ               ｗｉｌｌ               ａｌｓｏ               ｃｏｕｎｔｅｒａｃｔ               ｔｈｅ               ｃｒｉｓｉｓ               ａｎｄ               ｔｈｅ               ｐｏｌｉｃｉｅｓ               ａｎｄ               ｐｒａｃｔｉｃｅｓ               ｔｈａｔ               ｂｒｏｕｇｈｔ               ｉｔ               ａｂｏｕｔ.

Ｔｈｏｓｅ               ｗｈｏ               ｃａｎｎｏｔ               ｆｉｎｄ               ｏｒ               ｄｏ               ｎｏｔ               ｎｅｅｄ               ｔｏ               ｆｉｎｄ               ａ               ｊｏｂ               ｓｈｏｕｌｄ               ｓｔｉｌｌ               ｅｎｇａｇｅ               ｉｎ               ａｃｔｉｖｉｔｉｅｓ               ｔｈａｔ               ｗｏｕｌｄ               ａｄｖａｎｃｅ               ａｎ               ｉｎｄｉｖｉｄｕａｌｉｓｔｉｃ,               ｔｅｃｈｎｏｌｏｇｉｃａｌ,               ｍｅｒｉｔ-ｂａｓｅｄ               ｓｏｃｉｅｔｙ.

Ｓｕｃｈ               ａｃｔｉｖｉｔｉｅｓ               ａｒｅ               ａｂｕｎｄａｎｔｌｙ               ａｖａｉｌａｂｌｅ               ａｎｄ               ｉｎｃｌｕｄｅ               ｔｈｅ               ｃｒｅａｔｉｏｎ               ｏｆ               ｆｒｅｅ               ｍｅｄｉａ               ａｎｄ               ｓｏｆｔｗａｒｅ               ａｓ               ｗｅｌｌ               ｐａｒｔｉｃｉｐａｔｉｏｎ               ｉｎ               ｕｎｃｏｎｖｅｎｔｉｏｎａｌ               ｖｏｌｕｎｔｅｅｒ               ａｃｔｉｖｉｔｉｅｓ               -               ｓｕｃｈ               ａｓ               ｃｏｎｎｅｃｔｉｎｇ               ｏｎｅ'ｓ               ｃｏｍｐｕｔｅｒ               ｔｏ               ａ               ｄｉｓｔｒｉｂｕｔｅｄ               ｃｏｍｐｕｔｉｎｇ               ｐｒｏｊｅｃｔ               ｔｈａｔ               ｐｅｒｆｏｒｍｓ               ｔｅｃｈｎｉｃａｌｌｙ               ｕｓｅｆｕｌ               ｏｒ               ｔｈｅｏｒｅｔｉｃａｌｌｙ               ｉｎｔｅｒｅｓｔｉｎｇ               ｃｏｍｐｕｔａｔｉｏｎｓ.

Ｆｉｎａｌｌｙ,               Ｉ               ｒｅｃｏｍｍｅｎｄ               ｔｈａｔ               ａｌｌ               ｙｏｕｎｇ               ｐｅｏｐｌｅ               ｅｎｇａｇｅ               ｉｎ               ａｔ               ｌｅａｓｔ               ｏｎｅ               ｃｒｅａｔｉｖｅ               ｅｎｄｅａｖｏｒ               ｏｆ               ｔｈｅｉｒ               ｏｗｎ               ｃｈｏｏｓｉｎｇ,               ｏｎ               ｔｈｅｉｒ               ｏｗｎ               ｔｉｍｅ,               ｅｖｅｒｙ               ｄａｙ.

Ｉｔ               ｉｓ               ｉｍｐｏｒｔａｎｔ               ｔｏ               ａｌｗａｙｓ               ｒｅｍｅｍｂｅｒ               ｔｈａｔ               ｏｎｅ               ｉｓ               ａｎ               ｉｎｔｅｌｌｉｇｅｎｔ,               ｒａｔｉｏｎａｌ               ｈｕｍａｎ               ｂｅｉｎｇ               ｗｉｔｈ               ａ               ｃｒｅａｔｉｖｅ               ｆａｃｕｌｔｙ;               ｄｏｉｎｇ               ｏｎｌｙ               ｗｈａｔ               ｏｎｅ               ｉｓ               ｔｏｌｄ               ｏｒ               ｗｈａｔ               ｎｅｃｅｓｓｉｔｙ               ｒｅｑｕｉｒｅｓ               ｉｓ               ｔｈｅ               ｓｕｒｅｓｔ               ｗａｙ               ｔｏ               ｄｉｍ               ｔｈａｔ               ｆａｃｕｌｔｙ.

Ｗｉｔｈ               ｔｈｅ               ｔｅｃｈｎｏｌｏｇｉｅｓ               ａｖａｉｌａｂｌｅ               ｔｏｄａｙ               ｔｏ               ｆｏｓｔｅｒ               ｈｕｍａｎ               ｃｒｅａｔｉｖｉｔｙ               ａｔ               ｔｈｅ               ｃｏｍｐｕｔｅｒ,               ｔｈｅｒｅ               ｉｓ               ｎｏ               ｅｘｃｕｓｅ               ａｎｙｍｏｒｅ               ｔｏ               ｓｉｍｐｌｙ               "ｇｏ               ｗｉｔｈ               ｔｈｅ               ｆｌｏｗ"               ａｎｄ               ａｖｏｉｄ               ｓｈａｐｉｎｇ               ｔｈｅ               ｃｕｌｔｕｒｅ.

Ａｎｄ               ｉｔ               ｉｓ               ｓｕｃｈ               ｃｒｅａｔｉｏｎ               ｔｈａｔ               ｗｉｌｌ               ｗｉｎ               ｔｈｅ               ｗｏｒｌｄ               ｆｏｒ               ｔｈｅ               ｌｏｓｔ               ｇｅｎｅｒａｔｉｏｎ.

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Cecil Lieb's blog

2013년 11월 29일 금요일

About 'debt collecting software'|Fears of Renewed Debt Clampdown

About 'debt collecting software'|Fears of Renewed Debt Clampdown

Image of debt collecting software

Related blog with debt collecting software

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Fears of Renewed Debt Clampdown

Is it Time to Hire a Debt Collection Agency?

Capital One Admits It Wrongly Tried To Collect On Credit Card, Then Continues Trying To Collect Anyway

Court Halts Intimidating Debt Collector Calls From People Posing As Cops

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