And my advice for college graduates is don't reflexively give money to your alma mater, something particular to Americans that I find extraordinary. Take Princeton, for example - it has more money on a per capita basis than any educational institution in the history of educational institutions. There is no scenario where it can spend all the money its endowment generates every year. If there is anyone who gives a single dollar to Princeton, they have completely lost their mind. I will say that without reservation.