Private loans, which have been affected by the credit crunch and are becoming harder to secure anyway, tend to be more expensive for students with less than perfect credit ratings, and riskier than federal loans.

FORBES: Money & Investing

If the fuels were perfect substitutes, oil prices would thus tend to be about 6 times natural gas prices.

FORBES: Oil And Natural Gas Prices Get Divorced

Yet the system is far from perfect: though Estonian institutions set up from scratch do indeed tend to be ultra-efficient, those inherited from Soviet days like the xenophobic immigration authority are anything but.

ECONOMIST: Estonia and Slovenia