Look to your left, then right. One of you is foreclosed.

I vividly remember during freshmen orientation at the University of North Carolina a few years ago (ahem, 28 to be exact) that the chancellor played the little game where he said to me and the other 5,000 or so assembled incoming freshmen, “Look to your left. Now look to your right. One of you won’t be here in three years.” It hit like a splash of cold water, given how your high-school teachers filled you with blather about how you were “the best and the brightest, the future yadda yadda yadda.”

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