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Higher Education
Aes like some of the risk oversion in society can be explained by oftionality alone. I would still, i still viewlet higher education as probably a pretty good deal for the individuals who are doing it. Buta, yet, in general, going to good scholi it's good credential. And it's hard for someone who is, say, 22 years old, it is hard for them to do something that they expect to succeed in that is more impressive than getting a bachelor stre from harvard.