During his sophomore year, he failed two classes and got into a drunken brawl with some Georgetown University football players.

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If not, those classes add another year or two.

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Just as energetic is the attempt to nurture a new generation of entrepreneurs. (For 100 years, Michigan coasted on the success of that hyperactive entrepreneur, Henry Ford.) The University of Michigan has a two-year-old Centre for Entrepreneurship, providing classes and other support to students with business ideas.

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The government has promised that there will be free places available in pre-school classes for all four-year-olds and two thirds of three-year-olds by 2002.

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It is interesting to me that only two of the asset classes produced positive nominal returns in all three periods, that being 7-10 year Treasuries and of course T-Bills.

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