i think the financial industry will be forced to exit the denial stage of grief very shortly. our rapidly deteriorating credit market is also presenting some difficulties in securing educational loans. i listened to a program on NPR this morning that touched on this developing crisis. when the interviewer asked the loan expert whether students would be forced to go to cheaper public institutions, i began to laugh heartily. public universities are increasingly becoming not-cheap. many students' choices are between expensive public universities and more expensive private ones. the only cheap education these days is through self-teaching.