The title of the book stems from a funny conversation with a fellow MBA student over drinks.

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He's a good student, but he never even bought the book.

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Kerry was solid, in his usual, uninspired, A-student-that-memorized-the-text-book sort of way.

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But Adel, the thin young student, was there, sitting alone, an open book face down on his lap.

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No individual student could possibly hope to afford even one book directly, let alone the small library required to read all around a subject.

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"Jeep now seems to want to appeal to the people who go to the mall, throw a bunch of shopping bags in the back, drive home and read a book, " said Silecchia, a student and information technology worker in Georgia.

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Ms. Stewart, who previously held senior banking positions at Wachovia Corp. and later was chief executive of Morgan Stanley Private Bank NA, created an acquisition book that flags clients who might be in the market for additional services such as a home mortgage or student loan, as well as those who recently had a bad experience with the bank and need some extra care.

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