Yeah, really it is. You think we don't do learn real life things, or put it to practice. You think a financial advisor gets a degree and says, hmm that school taught me nothing about real life I'm going to do everything opposite what I learned. Or, do you think a doctor does the same thing? You think a lawyer or a doctor doesn't put school to real life. I guess going to school for 6 years to learn and specialize in a subject doesn't do anything to teach you the skills needed to apply it to real life situations. Every surgeon learns on the fly because school didn't teach them.