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If any of us have any real collateral, then there is a derivative for that. When a banker or financier creates a derivative, they are creating a tool to leverage value on some collateral like gold in order to sell it to someone in place of the real collateral. They do this to extend their buying reach, which is a form of leverage. "That's what I grew up as," he said. "As a little boy, I used to follow him and help him out in the woods. And I loved the work." Now Steigerwaldt owns 15 tree farms in Northern Wisconsin. For anyone with sights on higher paying jobs, college degrees have become pretty much essential. But many struggle to afford them, and to adjust to university life, overwhelmed by the workload. The Level Up program at Lackawanna College in Pennsylvania gets high school students involved in rigor early: they can study and earn college credits, at a fee of $100 per credit, making the eventual transition easier. "The proposed transaction is par...