YOU TALK WITH SUCH AUTHORITY..//WHAT ARE YOUR CREDENTIALS ARE YOU A LICENSED ATTORNEY IN ANY STATE.. And where did you go to school and what degrees do you hold.. You have alot of threads all over this site down grading on line Education.HAVE YOU EVER TRIED ON LINE COURSES OF ANY KIND.I did my Undergraduate work at IONA COLLEGE AND ST JOHNS UNVERSITY BRICK AND MORTAR SCHOOLS.I RECEIVED MY MBA AT AIU ON LINE AN ACCREDITED SCHOOL.WITH ALL YOUR STRONG OPINIONS, PUTING DOWN SCHOOLS AND PROSPECTIVE STUDENTS THAT WANT TO FURTHER THERE EDUCATION ,WHAT MAKES YOU THE JUDGE AND JURY... RON A ...AS -BBA-MBA ..