However this, Professor Saloner believes, does not credit students with an ability to think long-term.
"I definitely credit the pro-bono work I did with my ability to launch my own business so quickly, " says Ms. VandeLeest, who found the pro-bono work through Catchafire.
New credit-card rules that took effect Sunday limit banks' ability to charge penalty fees.
So please continue to do that because if you don't pay your mortgage, it will affect your credit rating and that will affect your money -- your ability to raise money, to borrow money at a good interest rate.
That would reinforce their dependence on emergency funding from the European Central Bank, which would act as further brake on the ability of Spanish banks to provide vital credit - and would represent a serious setback in the stabilisation of the currency union.
Nordstrom credit card holders get exclusive early access and the ability to pre-order sale items.
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As a practical matter, Moscow's ability to attract interbank deposits, renew short-term credit lines and secure Western loans has been sharply curtailed by the Soviet Union's non-creditworthy status and its massive arrearages to Western firms.
Which is why Morgan Stanley, the investment bank, has been warning about the emergence of a new credit crunch for southern European banks - which in turn could infect and undermine the ability of northern European banks to borrow.
The top benefit of the settlement, small-business owners say, isn't that the ability to charge customers more, but to negotiate fees with the credit-card networks and banks.
Mobile-phone companies could become the credit companies of the future by offering customers the ability to pay for goods on the Internet while putting the charge on the customers' phone bills.
Then came the European Financial Stability Facility, but it turns out to be too puny to halt the bond vigilantes' rampage through the euro zone, and anyhow rests in part on France's waning ability to join Germany as a guarantor by retaining its triple-A credit rating.
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Many mothers, along with lawmakers who represent them, say the new standard, which went into effect in 2011, is unfairly crimping the ability of stay-at-home spouses, retirees and other consumers to obtain credit cards.
Ratings agency Fitch cut Greece's long-term credit rating from B- to CCC Thursday, only one notch above default level, reflecting worries over its ability to remain in the euro currency zone.
In the case of the home buyer tax credit and the business tax provision, Senate Democrats want to delay until 2018 the ability of U.S.-based companies with operations abroad to take advantage of foreign tax credits.
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