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The days of the old promissory note have apparently disappeared. I remember signing my first college loan papers in 1998, back before blogs, Napster, or emo. Now the papers are done online, take ten minutes, and are submitted to you school within 24 hours. I stood in line to find that out the other day, stood in line for an hour and read an entire newspaper for them to say I could have done it all at home. Man I'm old. Then I bought another $100 worth of books that were "recommended" for a class of mine, but are actually "required." I spent ten hours reading one of them today. Time for another one, gots ta goo.