Furthermore, as individuals completely unversed in financial matters, deep curiosities about certain matters have been sparked over the years without means of answering them, until now. Why was the news in the year 2000 so uniformly bad? It sounded at the time like the whole economy was falling apart, when just before it had sounded like the stock market was basically a waterfall made of money just waiting for a bucket to be stuck into it. How did it become impossible for a young college student to get a loan for a new house? What are the chances that young college students are smart enough to “beat the market”? All of these questions will be answered.