But the world has a great deal more to offer than money, and a key question each of you will face repeatedly in your lives is how to use the talent and education that you have been given and the knowledge that you have attained.
However, partly owing to the feedback of price declines on lenders, mortgage conditions have tightened some since the late spring readings he is using for his conclusion, and in my view, the jury is still out on whether housing prices are close to finding a bottom.