After the failure of Lehman Brothers, many of the world's largest banks feared the worst as the collapse of the housing bubble exposed investments in risky loans.
Worst of all, a cheater who doesn't get caught the first time usually cheats again, not only because he/she is farther behind, but also because it seems "easier".
Teachers meet with students in groups of 25, five mornings a week, for open-ended discussions of everything from homework problems to bad Saturday-night dates.