Monday, October 28, 2013
A Brief Background:
On August 4, 2013, the sewer rats on the American Bar Association’s Task Force on the Future of “Legal Education” issued their first summary. After spending several pages bitching about only having one full year to complete the project - and crying over harsh online criticism directed at the law school cockroaches - the dolts suggested that another task force be formed to further “study” the issue. I covered this nonsense, back on August 4th.
Within a day or two of that post, the pussies decided to take down the link to their extremely super important report. For $ome rea$on, the August document is now back up and online - yet it is now only 32 pages in length, instead of the original 34 sheets of toilet paper. Who knows what the hags removed from this earth shattering treatise?!
The Updated 38 Page Pile of Rot:
On September 20, 2013, the pieces of trash on the ABA Task Force on the Future of “Legal Education” published the tripe below:
After spending nearly eight full pages - delineating a total of nine generic, vague suggestions - the pigs finally get to their recommendations - on page 28. In their own mangled, meaningless words:
“The Task Force’s specific recommendations are as follows.
A. American Bar Association
The American Bar Association should undertake the following:
1. Establish A Task Force or Commission With Appropriate Expertise to Examine and Recommend Reforms Regarding Law School Pricing and Financing. Issues Within the Scope of Such a Project Should Include:
a. Cost-Based Pricing by Law Schools
b. Discriminatory Pricing by Law Schools
c. Reliance on Loans to Finance Law School Education
d. The Structure of the Current Loan Program for Financing of Law School Education
2. Establish a Center or other Framework to Institutionalize the Process of Continuous Assessment and Improvement in the System of Legal Education.
3. Establish a Mechanism for Gathering Information About Improvements in the System of Legal Education and Disseminate that Information to the Public.
4. Establish Training and Continuing Education Programs for Prelaw Advisors to Improve their Understanding of the System of Legal Education and the Current Environment.”
As you can see, these bastards are not the least bit interested in altering the established garbage order. Of course, these ball-less rodents believe that the ABA should establish another task force or committee to examine reforms pertaining to law school financing and pricing. I wonder if they feel that such a group should be given an additional full year to make their suggestions. What else do you expect from these $elf-intere$ted bureaucrats, “professors” and revenue collectors in black dresses?!?!
On October 4, 2013, the Forgotten Attorney posted a hilarious entry labeled “The ABA Task Force Releases Another DRAFT Report. When Will They Actually DO Something?” Take a look at the following excerpt:
“Reform will create casualties – the question is who will be the first to die? Law schools will have to close. Biglaw will lose profits to domestic and overseas doc review firms. Small firms and solo practitioners will lose more of their clients to Legalzoom, document preparers like We the People and a new concept called the legal practitioner. Judges’ dockets will be clogged with pro se and frivolous cases. If the ABA lets the law school scam crisis continue, it will eventually lose credibility and the Department of Education will designate another entity to [accredit] law schools.
So with everyone bitching and moaning, will the ABA Task Force actually do something other than making recommendations? I doubt it. Look at the committee members – they are judges, older practitioners and law professors for the most part.” [Emphasis mine]
Conclusion: The bitches and hags at the American Bar A$$ociation do not give a damn about debt-strapped law students and graduates. Why else would the dung beetles approve and accredit toilets such as TTTThoma$ M. Cooley Law Sewer, WhiTTTTier or Wayne $TTTaTTTe Univer$iTTTy?!?! Furthermore, “law professors” and administrators eschew change. Even this worthless, updated report notes this basic fact - on pages 14 and 15 of the PDF.
In the end, if the swine wanted to find concrete, tangible solutions, they could do so easily. The fact remains that the academic thieves are profiting handsomely off the scam. They have no financial incentive to change such this sick, foul $y$tem. The pigs’ goal is not to fundamentally change this filthy indu$TTTry. If that was their aim, then they could have put 20 Lincoln Park Zoo monkeys in a room full of typewriters, for two weeks, and come up with better recommendations - and perhaps a few decent solutions.
Posted by Nando at 8:37 AM
Wednesday, October 23, 2013
The New York Times Wipes Its Ass with Law Reviews:
Adam Liptak’s article, “The Lackluster Reviews That Lawyers Love to Hate,” appeared in the October 21, 2013 edition of the New York Times. Thank you to the anonymous commenter who posted the hyperlink in the prior TTR entry. Read the entire piece, but focus on the following portion, in particular:
“Judge Dennis G. Jacobs, of the federal appeals court in New York, was similarly dismissive [as John G. Roberts was back in June 25, 2011].
“I haven’t opened up a law review in years,” he said in 2007. “No one speaks of them. No one relies on them.”
That is only mild hyperbole. About 43 percent of law review articles have never been cited in another article or in a judicial decision.
Law reviews are not really meant to be read. They mostly exist as a way for law schools to evaluate law professors for promotion and tenure, based partly on what they have to say and partly on their success in placing articles in prestigious law reviews.
The judge, lawyer or ordinary reader looking for accessible and timely accounts or critiques of legal developments is much better off turning to the many excellent law blogs.” [Emphasis mine]
I’m sure that several federal pig "judges" see these garbage publications as coming in handy, when they need to line their birds’ cages. According to the source above, legal blogs provide a better source of relevant material for those interested in legal matters.
Prior Coverage of John Roberts’ Remarks:
On July 7, 2011, the ABA Journal published this piece from Debra Cassens Weiss, under the headline “Law Prof Responds After Chief Justice Roberts Disses Legal Scholarship.” Check out the excerpt below:
“Chief Justice John G. Roberts Jr. has raised hackles with his suggestion that there is a disconnect between the scholarship of law professors and the work of practitioners.
Roberts knocked law professors and their work while answering questions at the 4th Circuit Judicial Conference in White Sulphur Springs, W. Va., at the end of June.
The American Constitution Society blog has Roberts’ quote: “Pick up a copy of any law review that you see, and the first article is likely to be, you know, the influence of Immanuel Kant on evidentiary approaches in 18th Century Bulgaria, or something, which I’m sure was of great interest to the academic that wrote it, but isn’t of much help to the bar.” C-SPAN posted the interview.” [Emphasis mine]
Hell, even the chief robed politician in this country views law reviews as worthless dreck. That speaks volumes!
Would You Pay $100K for a Law Review Article?:
Paul Caron posted a TaxProf blog piece entitled “The $100,000+ Law Review Article,” on May 26, 2010. Look at this opening:
“As Law Profs nationwide gear up to write law review articles over the summer, Larry Cunningham (George Washington) calculates the economic value of the articles:
What’s the economic value of that scholarly article many law professors will write this summer? For the many schools that award scholars summer research grants, it is at least the value of that allocated to the piece—usually $12,500 to $20,000 at most US law schools.
But an excellent article well-placed also often translates into annual salary increments above a school’s merit pay raise pool. That can bump a raise up anywhere from 1% to 3%, or more, depending on the article and how one’s home-school peers do.
For a mid-career scholar earning a base salary of $200,000, say, that means as much as $6,000 or more. For that person, adding $6,000 a year for life, the article’s economic value gets well into the six figures (even discounting to present value).” [Emphasis mine]
In sum, the only people who benefit from this “legal scholarship” are the overpaid parasites known as “law professors.” Many federal swine "judges" are more likely to consult Wikipedia than law review articles, when rendering their ideologically-driven, political decisions. Make sure to remember that fact, when you are strapped down with an additional $135K in NON-DISCHARGEABLE debt - for a law degree - while making $40K per year.
Conclusion: You have seen how federal politicians in black dresses view the reams of useless toilet paper known as law reviews. As noted above, strong legal sites are more relevant than these non-peer reviewed publications. In fact, the ABA Journal reported - on February 29, 2012- that no major law journal had more than 2,000 paying subscribers. In contrast, Third Tier Reality gets roughly 800-1000 daily visitors. Yes, a site that regularly features pictures of fecal matter, filthy toilets and piles of horse excrement has a much higher readership than these supposed “academic works.” For $ome rea$on, the pigs and cockroaches have no qualms about this aspect of the law school scam.
Posted by Nando at 6:34 AM
Saturday, October 19, 2013
Tuition: Full-time law students/victims at Baylor University - a private Baptist school - will have their anuses penetrated to the tune of $47,334 in tuition - for the 2013-2014 school year. I suppose the pigs feel that Jesus would charge such outrageous rates. For some reason, these ass-hats still use a an archaic three quarter academic year.
Total Cost of Attendance: Now we head to a form labeled "2013-2014 Law Full-Time Budgets." For the poor souls attending for all three quarters, the cesspool estimates that other cost will amount to an additional $21,779. This brings the total estimated COA to $69,113. By the way, fees account for $3,372 for the current school year.
Keep in mind that ABA-accredited trash pits only calculate living expenses on a nine month basis. Seeing that actual law students will require these costs over the entire year, I will prorate the following items: room; board; transportation; and personal expenses. Books, supplies, and fees remain unchanged. After these adjustments, we reach a more accurate, total COA of $74,607 - for 2013-2014. That's one hell of a bargain for the student, huh?!?!
Ranking: According to US "News" & World Report, Baylor University Sewer of Law is rated as the 54th greatest, most marvelous and sensational law school in the United States. It only shares this wondrous distinction with one other commode, i.e. Georgia STTaTTe UniversiTTy. Who wouldn't be proud of this "achievement"?!
Published Employment Placement Statistics: Based on the Employment Summary for 2012 Graduates, there were 164 members of this cohort. Of this total, only three did not furnish their employment status to the commode. The placement rate for this class was a mere 85.7 percent, i.e. 138/161. That is an incredible figure, right?!?! Again, this includes law grads working as insurance adjusters, elementary school teachers, or restaurant servers.
One graduate was enrolled in an advanced degree program full-time, while four had their start date deferred. Furthermore, three Baylor grads were unemployed but not seeking, whereas 15 suckers were out of work and looking for a job. At least, the sewage pit only hired two members of this class in university of law school funded positions.
Scroll down to Employment Type, to look at the overall job outlook. You will note that exactly 100 graduates from this cohort ended up working in private law firms. Four desperate souls opened up solo practices, while 47 found employment in firms of 2-10 lawyers. Another 19 were hired by offices of 11-25 attorneys, whereas 12 grads were working for firms of 26-10 lawyers. In stark contrast, four members of Baylor's Law Class of 2012 were hired by firms of more than 500 attorneys. Do you still want to take the gamble, Lemming?!?!
Average Law Student Indebtedness: USN&WR lists the average law student indebtedness - for those members of the Baylor JD Class of 2012 who incurred debt for law school - as $99,852. In fact, 78 percent of this school’s 2012 class took on such toxic debt. Remember that this figure does not include undergraduate debt – and it also does not take accrued interest into account.
University Administrator Salary Info: We will scroll down to page 81 of the 2012 Form 990 for Baylor University, i.e. Employer ID No. 74-1159753, in order to see how well the cockroaches are doing in comparison to the students. The TOTAL COMPENSATION figures below are for the tax year ending May 31, 2012.
Surprisingly, no member of the law faculty makes the list as one of the highest compensated employees at this dung heap. Then again, this supposed “institution of higher education” was too busy paying its head football coach $2,426,360; its head men‘s basketball coach a total of $2,133,120; and shelling out $1,324,969 to the head women‘s basketball coach. The university “president” is none other than one of the most vile dogs in this country, i.e. Kenneth Starr. This bastard raked in $706,426 in TOTAL COMPENSATION - for the tax year listed above. Yes, Piggy made $585,808 in reportable compensation, but that wasn’t enough to satisfy the swine - so the university threw in another $120,618 in “estimated amount of other compensation from the organization and related organizations.”
Conclusion: Baylor UniversiTTy Law Sewer is a grossly overpriced, private toilet. The direct cost of attendance currently stands at $50,706, i.e. tuition plus fees. Try paying just the tuition, and see if the pigs allow you to enroll. This fact further shows that private Chri$tian colleges in Texas are motivated by money. In the final analysis, if you want to play Texas Hold 'Em with your future, it's your life, Idiot. But don't complain that you were not warned, when you are strapped down with an additional $110K-$140K in NON-DISCHARGEABLE debt - while earning a meek $35K per year.
Posted by Nando at 8:04 AM
Friday, October 11, 2013
Tuition: Students enrolled in this private commode will be slapped with a big-ass tuition bill of $46,519 - for the 2013-2014 school year. In good news, part-time law students at SMU will only have a crowbar shoved up their anus to the tune of $34,889 for the 2013-2014 academic year. It’s nice to see an ‘institution of higher education” puts its students’ interests first, right?!?!
Total Cost of Attendance: According to this same document, indirect expenses will add $20,238 to the price tag. Books are estimated at $2,000, while living costs are listed as $15,500 and miscellaneous expenses are set at $2,738. As such, the published, total COA for full-time suckers is $66,757.
Keep in mind that ABA-accredited diploma mills and trash pits base these costs on a nine-month basis. Since actual students will require year-round expenses, we will prorate living and miscellaneous expenses - in order to reach a more accurate figure. Doing so, the estimated COA for full-time law students at SMU is $72,837 - for 2013-2014. Yes, that is one hell of a bargain, huh?!?!
Ranking: Bob Morse and his fellow hags at US “News” & World Report list $outhern Methodi$t Univer$ity Dead Man Walking Sewer of Law as the 48th greatest, most sensational and exhilarating law school in the entire United States. In fact, this toilet shares this distinct honor with the following four law schools: Florida State, Tulane, UC Hastings and the University of Houston.
Published Employment “Placement” Statistics: Looking at the Class of 2012 Employment Report, you will immediately note that there were 293 members of this massive cohort. Of that figure, a total of 273 graduates found a job of some sort within nine months of receiving their law degree. This represents 93.2% of the class. Hell, the garbage heap only placed three of these JDs in law school or university funded positions.
Scroll down to Employment Type. You will notice that 166 grads from this class found employment in private law firms. Five desperate fools decided to open solo practices, while 75 damn people went to work for law firms of 2-10 attorneys. Another 27 were hired by firms of 11-25 lawyers. Only 24 found employment in law offices with more than 500 attorneys.
SMU Law’s “Test Drive” Program:
Back on May 19, 2010, Elie Mystal posted an epic ATL post entitled “SMU Will Pay You Hire Their Graduates.” Take a look at this killer opening:
“It was only a matter of time.
SMU Dedman School of Law is now officially willing to pay law firms to hire its graduates. The school is calling its new program “Test Drive,” which adds a nice layer of hilarity: Toyota wouldn’t pay me to test drive a Camry.
Even the logo for this program screams sadness:
Let’s look at the blast email from SMU career services…
This program is a shameless attempt to game the U.S. News rankings. SMU essentially admits as much in the opening paragraph of its Test Drive pitch:
We are pleased to report that over 97% of our graduates in the SMU Dedman School of Law Class of 2009 were employed nine months after graduation, and we want to support the Class of 2010 toward equally strong employment. To this goal, we initiated Test Drive, which allows employers to evaluate the legal knowledge, skills, work ethic and professionalism of our recent December 2009 or May 2010 graduates on a “no strings attached” basis.” [Emphasis mine]
Does anyone with an IQ above room temperature believe these pigs resorted to this filth, because they care about the students’ outcomes?!?! [Hint: It is MUCH more likely that I am writing this entry as Lauren Graham has her ankles locked around my waist.]
Average Law Student Indebtedness: US “News” lists the average law student indebtedness - for those members of the $MU Dead Man Walking Law Class of 2012 who incurred debt for law school - as $113,266. Yet, only 70 percent of this school’s 2012 class took on such foul debt. Remember that this figure does not include undergraduate debt – and it also does not take accrued interest into account.
Conclusion: Avoid this Texas dung heap at all costs. You will not be served well by incurring an additional $120K-$165K in NON-DISCHARGEABLE debt for a chance to practice law. Again, fully 30% of the last graduating class did not take on any debt for their degree. What does that tell you, Lemming?!?!
If YOU do not come from a wealthy family, then you are facing several significant disadvantages. These include the following: (a) those boys and girls graduate with no student debt; (b) they do not need to bust their asses to earn stellar grades; (c) they have no need to start “networking” from day one of law school; and (d) their parents can get them a good job simply by making a few phone calls to their friends. Yet, you will be expected to compete with those connected, rich kids for the available number of legal job openings. Lastly, don’t forget that Texas is the SEVENTH-MOST GLUTTED lawyer job market in the nation, according to Economic Modeling Specialists.
Posted by Nando at 6:17 AM
Monday, October 7, 2013
Albany Law Sewer Planned for a Small Decrease in Class Size:
Back on January 14, 2013, Robert Gavin’s piece, entitled “Judging a law degree’s worth,” appeared in the Albany Times Union. Take a look at the excerpt below:
“Max Heintz works 30 hours a week at a Stewart's Shop in Glenville. A friend works in Virginia for a moving company. Another friend works for his father's insurance business in western New York.
They are all 2012 graduates of Albany Law School.
"I'm still looking" for a job in the legal profession, said Heintz, 28, of Scotia, a 2012 graduate who passed the bar exam.
Their situations are the rule, not the exception.” [Emphasis mine]
Later on, the author provided this revealing info:
“Fewer students are choosing law school. Albany Law planned to downsize its incoming class by 10 students a year over three years. But the plan wasn't implemented — fewer students applied and were accepted.” [Emphasis mine]
It’s great to see the law school pigs sweat. For far too long these bitches and hags at ABA-accredited dung pits have been able to publish misleading data, in order to get more asses in seats.
Standard & Poor’s Flushes the Independent Toilet:
On April 11, 2013, the Albany Times Union published reporter Scott Waldman’s article, “Standard & Poor’s downgrades Albany Law School.” Check out this opening:
“Colleges and universities spend a lot of resources ensuring enrollment does one of two things: stabilize or increase.
Albany Law School is headed in the wrong direction. The school's enrollment has dropped 14 percent in just two years.
The school now enrolls 617 students, down from 720 in the 2010-2011 academic year. That loss has caught the attention of the Standard & Poor's bond rating agency, which downgraded the school's outlook from positive to stable. Standard & Poor's said the situation at Albany Law reflected a national trend of law schools losing students and tuition income.
Weakening demand for Albany Law has decreased net tuition revenue and put significant pressure on the school's operating performance, the report found.
The report suggested that Albany Law is more vulnerable to the national trend of enrollment decline because it is not connected to a larger university. Law schools that are part of a larger university or university system were better able to absorb losses of the last few years. Schools tied to a university also can better attract students amid the shrinking market in the future because they are more able to offer bigger financial aid packages.” [Emphasis mine]
Read the rest of the piece and you will see that S&P prognosticates that applications to and enrollment at Albany Law Sewer will drop for several more years before finally stabilizing at a smaller level. How will this affect the group of parasites known as “law professors”?!
Albany Law Sewer’s Huge Drop in Enrollment:
Albany Business Review posted reporter Adam Sichko’s article “Law school cuts enrollment, faculty next” - on June 7, 2013. Review this opening left jab:
“As few as 130 students will begin pursuing law degrees at Albany Law School this fall—half the size of the first-year class five years ago.
The steep drop is the latest sign of the stark new economics confronting law schools nationwide, including Albany Law, the only law school within 90 miles of the state capital.” [Emphasis mine]
That is quite a drop in enrollment. You’re welcome, bitches!
Now, scroll down to Sichko’s conclusion:
“Smaller enrollment at Albany Law means [toilet dean and “president” Penelope] Andrews will trim the school’s roster of 50 full-time faculty. She says she has no set target yet, but wants to preserve the student-faculty ratio.
Andrews also is exploring ways to raise revenue, including online courses and offering certification for non-lawyers.
The law school’s annual budget is now $28.2 million, down about 12 percent from a couple of years ago.
“For us, the gamble is the balance between a rich and rewarding experience for students, and the need to be fiscally responsible,” Andrews says. “Smaller is better for Albany Law School. That’s our legacy.” [Emphasis mine]
Keep trying to spin this as a “voluntary reduction” of class sizes, Cockroach. At least, fewer academic thieves will be on the payroll.
Conclusion: Albany Law Sewer is a festering THIRD TIER COMMODE, as it is currently ranked as the 132nd greatest, most phenomenal and fantastic law school in the country - by US “News” & World Report. Having a gutter reputation does not stop these bastards from charging their students $43,248 in annual tuition - for the 2013-2014 school year, however. Lastly, USN&WR lists the average law student indebtedness - for those unfortunate members of the Albany Law Sewer Class of 2012 who incurred debt for law school - as $113,674. Fully 88 percent of this cohort took on such vile debt for a TTT law degree.
In sum, DO NOT EVEN CONSIDER ATTENDING this trash pit. If you are not from a wealthy family, then you will almost certainly graduate from this cesspool with an additional $125K-$165K in NON-DISCHARGEABLE debt. As you can see, this school already produces JDs who work at convenience stores, move furniture or sell insurance. Don’t add your name to the list of casualties.
Posted by Nando at 7:45 AM
Wednesday, October 2, 2013
American University Washington College of Law Pigs Drop Admission Standards, in Order to Get Asses in Seats
Campos Delivers a Crushing Right Hook:
On September 27, 2013, Paul Campos blasted the American University Commode of Law pigs right in the snout, with his blog entry entitled “Dealing with the crash, Pt. 2.” Check out this excerpt:
“American is arguably the biggest ripoff going in legal academia, as it combines “prestige” of a sort (it is normally ranked among the top quarter of ABA law schools) with sky-high sticker attendance costs (estimated as $71,070 per year for 2013-14), very little in the way of tuition discounts (more than 60% of the class is currently paying sticker, and almost all the rest get a miserly $10,000 discount off that $70K bill), and wretched employment statistics, which have combined to produce a massively indebted and seriously depressed student body.” [Emphasis mine]
Now, look at this portion of his epic conclusion:
“Like other schools, American had and has three options for dealing with this unpleasant and potentially unprofitable development, which are to reduce the size of its class, the cost of attendance, or the selectivity of its admissions — or some combination of these strategies.
While the University of Iowa represents a school that appears to have gone all in with the first option, American has shoved in its chips with the third. This fall’s entering class of 474 1Ls is at just about the average size for AU entering classes over the last decade, and while real as opposed to nominal tuition data isn’t officially available yet, all indications are that the school didn’t up its very small “scholarship” budget.
What it did instead was continue to slash admissions standards. The median LSAT for the entering class has declined from the 86th to the 70th percentile in just two years, and, even more tellingly, since 2009 the 25th percentile for full-time matriculants has fallen a startling seven points — from 160 (the 80.4 percentile) to 153, which is barely above average for LSAT takers (55.6%). To get some sense of what the latter stat signifies, consider that a decade ago, only 55.6% of all law school applicants were getting into any law school, and that only about two-thirds of LSAT takers even bothered to apply to law school at all. [Emphasis mine]
The Toilet’s Embarrassing Employment Placement Statistics: On April 10, 2013, Dan Filler posted a Faculty Lounge entry entitled “New Law School Rankings: Employment Data Cleaned Of School Funded Jobs” This article is based off of each ABA-accredited diploma mill’s Class of 2012 ABA Employment Report. As the text and title make clear, the figures pertain to JD Required positions that are full-time, long term - and exclude law school funded jobs. Under these measures, American Univer$ity Wa$hington Commode of Law ranked 179th best in job placement! Only 22 other trash heaps produce weaker results for their students.
Supposed Overall Ranking: American Univer$ity Wa$hington Commode of Law is allegedly the 56th greatest, most fantastic and amazing law school in the nation - according to US “News“ & World Report. How in the hell can there be such a wide discrepancy between a school’s reputation and the job prospects for its students?
Charting the Drop in LSAT Scores: Simply scroll down to the school’s name or use the CTRL+F function under Admissions Data, in order to view the figures for first year law students entering American University COL in 2011:
“25th percentile LSAT: 159
Median LSAT score: 162
75th percentile LSAT: 163”
Numbers for the first year law class at American Univer$ity for 2013:
“25th percentile LSAT: 153
Median LSAT score: 157
75th percentile LSAT: 159”
Anyone with an IQ above room temperature will recognize that this is a significant drop-off, especially within a span of two years! Perhaps the tide is turning against the law school cockroaches. The general public is now much more informed about the numerous, huge risks of obtaining a “legal education.”
Average Law Student Indebtedness: US “News” lists the average law student indebtedness - for those members of the American Univer$ity JD Class of 2012 who incurred debt for law school - as $152,659. This is the SIXTH LARGEST STUDENT DEBT FIGURE among ABA-accredited schools! Then again, only 77 percent of this cesspool’s particular class took on such vile debt. Keep in mind that this figure does not include undergraduate debt – and it also does not take accrued interest into account.
Conclusion: American University Washington Commode of Law is a GROSSLY OVERPRICED, highly over-rated pile of buffalo excrement. Why should you incur an additional $160K-$210K in NON-DISCHARGEABLE debt for such pathetic legal employment prospects?!?! The law school pigs at this in$TTiTTuTTion have decided to cash in before the application and enrollment numbers drop further. Again, these bitches and hags are only concerned with keeping the gravy train of federally-backed student loans rolling along. If YOU end up in financial ruin, that will not affect the swine. After all, they get paid up front, in full.
Posted by Nando at 5:55 AM