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Guys and Gals, thank you very much for the replies!!!

All good point.

I was speaking to someone at my bank who handles my loans (commercial) - he said he has a few college units...*but* he only does grad-school tenants. He feels they did the wild stuff, and now they really just care about working and getting their Masters.

I've never spent a day in college so I wouldn't know.

Any merit to that?
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