Behind me, I heard a young woman of 25 say, "If it weren’t for my horse, I wouldn’t have spent that year in college." Now, I'm gonna repeat that, because it bears repeating. "If it weren't for my horse..." as in, giddyup, giddyup, let's go — "I wouldn't have spent that year in college," which is a degree-granting institution. Don't think about that too long, or BLOOD will shoot out your NOSE!