paulcapelli·15 ปีที่แล้ว·discussAny scenario in any year is unlikely, but if you aggregate a bunch of long-tail scenarios and take a 40-year time horizon, it becomes worth dealing with.
paulcapelli·15 ปีที่แล้ว·discussThe question you should be asking: what is the marginal benefit of ass-in-seat time to a student?