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Bill talks about the college graduation season 2015. Unfortunately the economic model that college was based upon is no longer relevant. The economic pie has been shrinking. This means that the municipal pensions won't be funded and the workers who have been counting upon the payout for their retirement are going to be sorely disappointed. There's a great wake-up call coming in America. Things have changed greatly since 2008, but we've allowed the system to continue unchanged and we'll be paying the price for decades to come.