Are all Governments, even Democrats, and Republicans, screwing students?

There is No free education student's nipple! A peaceful voters revolt is needed!

How schooling for a bachelor degree could
cost $1 a year or less

Publishers could create $1. a year bachelor  degree & K-12 courses

Rankings for Colleges, Grad, On-Line, and K-12 Schools

Very little of Endowment funds go to Students

Group Sourced Questions for you? (To be included soon )

Site Map/Contents People's Comments

1. Current , mostly free Educational Sources
2. Textbook info to lower your Costs
3. (You) Create a College Problem Solving Think Tank
4. Learning and teaching tech aids
5. Home schooling
6. Group Sourced Questions for you?
People's Comments
This is an attempt to bring the cost of worldwide accredited
university degree training
down to $1 per year or less by all
countries, and states sharing
podcast course costs, and to

provide links to thousands of free courses from many
countries, for all ages, to improve course learning, and to
implement the success of this economic concept.

To increase our print size, hold down the ctrl key and
press the + key
) All links on this website are external. (any link
that does not work copy and paste it in your search engine)

Group sourcing: = (group brainstorming)

A place for your ideas and
comments will be created on this --
website. Together, and by countries and states cooperating
in this way, we can reduce the cost of education to all people.
(Today's enemy is tomorrow's friend.)
The math and
reasoning for this conclusion is simple. (TM)

How schooling for a bachelor's degree could cost you $1 a year or less

The typically highest wages that a U.S. professor
gets is
$212,000. per year (salaries vary from $30,000 to
$212,000) for teaching 1 to 6 courses. (Professor salaries:
External link Some professors
get $1,800 for teaching one course, but in our case more is
needed and expected from each one course professor.

College textbook writers rarely earns more than $100,000 total
for one textbook, ($25,000 would be the total earnings for a
very successful textbook. and $10,000 is a typical total
earnings for a textbook). (Occupational Outlook Handbook,

2010-11 Edition External Link
--Copy and Paste in Google

Authors Salary Externa
l Link

Software for this same course could cost $200,000, more or
less, and management fees to tie all this together could cost
$100,000 for each course. Thus, the potential one-course cost
of $600,000 dollars. Forty courses are required for a
bachelor's of science, and 40 x $600,000 = $24,000,000 is the
estimated cost of forty courses.

But, if you had 80 courses you could cover many of the
population's requirements for various bachelor degree
courses, and this would mean $48,000,000 would need to be
spent, each year, with added translations costs, to educate
most of the world's population to the bachelor level. This cost
would include on line textbooks, in print, braille, or voice.
(These stated costs, are speculations, which can be
experimentally determined)

There are about 312,913,654 people in the U.S. If each person
paid about 15+ cents, each year, for the right to be educated
throughout his or her life, and took all or any, of the right
combination of 80 selected podcast courses, to get her/his
desired accredited bachelor's degree, these people would have
paid an amount equal to the cost of their podcast courses.
($48,000,000 / 311,894,000 = 15+ cents.) The courses could be
taken in the comfort of one's home, in high schools, or
elsewhere over the Internet from a podcast. This procedure
would decrease the cost of living to everyone, including
people who never had any schooling, because the educated
could then charge less for their work, the supply (number of
educated) would be greater, and the cost of life would go
down, and the quality of life would go up.

Or, there are 1,500,000,000 English speaking people and
1,300,000,000 Mandarin Chinese. If each of these
2,800,000,000 people wanted to be educated in English the
cost would be paid if each of these people were taxed less
than two cents each year, for his/her bachelor's degree.
Incidentally, there are more English speaking people in
China than in the U.S.A.

If this same podcast system was used for courses from
kindergarten through 12th. grade, assuming 5 podcast
courses, per year, per grade at $600,000 per course, the 65
additional podcast courses would cost $39,000,000 for a
total cost of $39 + $48 million = $87,000,000 to educate each
individual with podcasts from kindergarten through college.
(This includes the cost of all e-textbooks) If all the
2,800,000,000 combined Mandarin Chinese, and English
Speaking people paid $87,000,000 / 2,800.000,000 people =
3.1+ cents. Each person would have payed 3.1 cents per
year for their total education. But, if only U.S. residents paid
the $87 Million divided by 311,894,000 residents, each U.S.
person would pay 27+ cents, each year for their total podcast
education from kindergarten through college.

Primary and Secondary teachers could have their students
listen to these podcast courses, and spend their own class
time tutoring. Classes could be larger, of much higher
quality, substitutes could be mostly eliminated, and as much
more research and money would have been put into each course,
quality would be higher. Parents, students, home schoolers and
prisoners could listen to that days class repeatedly , on the Internet,
that night, while sick in bed, or at any time.

A Universal Internet Language would then have been created,
trillions would have been saved, (populations and world
warming would have been decreased because educated
men and women have less children), and the possibility of a more
pleasant life would occur. All this because of world group
buying, and a cooperative, loving spirit.

An interesting video indicating how teachers time could be
saved insuring quality teaching with podcasts thus class
teachers time could be used for in-class tutoring instead of
lecturing, and the software in these interactive courses would
immediately tell the teacher what the student had not understood.
External link Let’s use video to reinvent education

MIT, UNESCO, Goggle, The Bill and Melinda Gates Foundation,
the William and Flora Hewlett Foundation,
Wickipedia, You Tube, Mark Zuckerberg,
Alfred P. Sloan
U.S.A., U.K., China, a consortium of Professors
not aligned with a university, PUBLISHERS,  Netflix, or the 
cooperative efforts of the students themselves, etc. could also 
provide these same courses, but much faster than would be ready to do.

The average 4 year degree student spends $1916 dollars
just for gas in their 1095 days of travel back and forth to
school, (at a half gallon of gas per day with $3.50 gallon
gas,) These same brick-and-mortar students waste 2190
hours in their 4 years of schooling, at 2 hours per day,
while traveling back and forth to school and waiting for
class to start. This is more time than the average student
spends in study to get their 4 year degree, and 112,705
times more money ($1916/ 1.7 cents) than these same
students would need to spend with 2,800,000,000
English and Mandarin speaking students sharing the
course costs of $48,000,000 to create their learning
material. ($48,000,000/2,800,000,000 English and
Mandarin speaking people = .017 cents). All
governments are wasting their citizens money by
colluding with their educational lobbies to prevent
educational competition against the brick-and-mortar-

Is YOUR Government screwing students and taxpayers to eliminate
competition for education lobbies, and brick-and-mortar universities?
The table shows the yearly cost, per student of getting a College Degree,
or the cost of kindergarten through High School in countries or states of
various sizes, (with group buying.) It costs $48,000,000 to provide the
educational material, for 80 Bachelor Degree College Courses, and
$39,000,000 for kindergarten through high school, in both cases if e-books
and lectures are provided by podcast over the Internet.

The reason why costs in brick-and-mortar schools is so expensive is
because each type of the same courses have to be created, each year, about
4,168 times for this many U.S. colleges and 18,435 times for this many U.S.
high schools. The group size is sometimes as small as ten students per
course, and students are charged for the real estate and other costs schools
incur, as explained in

If you care about the students who can not afford to go to college, and
the waste in taxes at the state and federal level you will call the media,
your state,  federal presidents, governors, senators, and representatives
and explain how your state and federal government could save billions
that is spent wasted  on students, and thus reduce the taxes in both the
state and federal government and make it possible for everyone to go to
school, no matter what their income was (as indicated in the yellow chart).
Bring this issue up at any political meeting and ask contentants to respond
and tell you what they can and will do about this issue. Have some courage
and character and do this! (no matter what your age is or the country you
live in).
 (Please don't tell me that regular college and K-12 courses would be as good as
$600,000 courses
that have thousands more hours of work on them, have video,         
variable audio, have software to answer question, practice graded  tests,                     
produced in
voice, braille, in bold, variable print, with the index linked to the text       
pages, words linked to definitions, are worked on again and again in every  way, are   
interactive, and can be listened to repeatedly at home, (yet cost students pennies with
group   buying.) Some professors get $1,800 for one course. How much time, and      
money do they   have to do all this work????                                                              

There is No free education student's nipple! A peaceful voters revolt is needed!

 Students  should start an educational-coop  (their own  university)  to drive
prices from an unaffordable high of $54,000 per year to less than a $1.00.

There are 19,100,000 U.S. university students, 57,000,000 K-12, and about
140,000.000 U.S. parents of both. This means that around  160,000,000 voters
(more than half the U.S. population could use their votes to insure a 
government that allows education everyone can afford, and costs pennies.

By sharing course recordings, you could get higher quality, more complete 
education in your home, and save the two hours per day, traveling to school,
going from class to class, waiting for class to start, and about two dollars per
day that you spend on gas and your car.

To  provide for varied college education needs 80 courses are needed. 
Typically the highest wages that a U.S. professor gets is $212,000. per year for 
teaching 1 to 6 courses, (Professors salaries: External link 
Some professors get $1,800 for teaching one course, but in our case more detail,
completeness, and quality that you get in ANY university is experted from our
one course professor.

College textbook writers rarely earn more that $100,000 total for one textbook,
and $10,000 is a typical total earnings for a textbook). Occupational Outlook
Handbook, 2010-11 Copy and Paste into your search engine 

Software for this same course could cost $200.000, more or less, and
management fees to tie all this together $100,000 for each course. Thus, the
potential one-course cost of $6oo,ooo dollars. For our desired eighty courses 
we need 80 x $600,000 = $48,000,000.

K-12 courses, usable for all 1.5 billion English speaking people, and others,
need remodeling, improving, and lower costs. At 5 course per year for the 13
years from kindergarten through 12 grade = 65 courses are needed.
65 x 600,000 = $39,000,000. Total courses including bachelor degree and
K-12 courses = 80 + 65 = 145 courses at a yearly combined cost of $87,000,000.

The yearly SHARED COST per person in the indicated groups: = cost of 145 
courses/ group size. 

1. $87,000,000 / 19,100,000 college students + 57,000,000 K-12 = $1.16 in the U.S.

2. $87,000,000 / U.S. population = $87,000,000 / 312,913,654 = 28 cents instead 
of $54,000 tuition. This is less than the post office stamp for the free MIT Certificate.

3. $87,000,000 / 1.5 billion English Speaking people = 6 cents from 
kindergarten through college.

(On occasion $34 billion has been scheduled to pay for only 9 Million  U.S. 
college students with Pell Grants with money taken from taxpayers which 
mostly goes to colleges, not to students.)

A student-education-coop, not hard wired to be a university, is needed, as
long as degree granting is achieded. This could be a: 1. Course
management system, 2. Learning management systems, 3. Programmed
learning system, 4. Publishers of courses that include the same course
they publish textbook for, and  5. Yes, and even organizations sometimes
called a university, college, or school could educate and provide degree
granting, as long as they are not run just for the benefit of the owners and
the government.

These stated costs can be experimentally determined, and could include
on-line textbooks, and be more complete than any course you have ever
had, that have thousands more hours of work on them, have video, variable
audio, have software to answer questions, practice graded tests, produced
in voice, Braille, in bold variable print, with the index linked to the text
pages, words linked to definitions, are worked on again and again in every
way, are interactive, and can be listened to repeatedly, yet cost students
pennies with group buying.

We need  a peaceful students, voters revolt in the U.S., China, 
India, etc., and a student coop-University. Lobbies will resist our every 

mood, but we will overcome, and vote any politician who resists, 
out of office. Bring this issue up in political 

Group Population size
Shared cost of College per student  Cost of Kindergarten through high school Cost of Kindergarten through College
1 student $48,000,000 $39,000,000 $87,000,000
China         1,339,724,852  3.6 cents each year  2.9 cents each year  6.4 cents each year
India           1,210,193,422  3.9 cents each year  3.2 cents each year    7 cents each year
U.S.               312,913,654 15.3 cents each year 12.5 cents each year   28 cents each year
Indonesia      237,556,363  21 cents each year 16.4 cents each year   37 cents each year
Brazil            190,732,694  26 cents each year 20.4 cents each year   46 cents each year
Japan            127,950,000  38 cents each year  31 cents each year   69 cents each year
Pakistan        187,342,721  25 cents each year 20.8 cents each year   46 cents each year
Bangladesh   158,570,535  30 cents each year 24.5 cents each year   54 cents each uear
Russia           136,739,892  35 cents each year 28.5 cents each year   63 cents each year
U.K.                 61,284,590  78 cents each year 63.6 cents each year   $1.41 each year
World's English Speakers                     1,500,000,000 3.2 cents each year 2.6 cents each year 5.8 cents each year
World's Mandarin Speakers    1,300,000,000 3.6 cents each year  3 cents each year 6.6 cents each year
World's Spanish Speakers                      452,480,979 10.6 cents each year  8.6 cents each year 19.2 cents each year
World's Population
7/10 cents each year
+ translations costs
1/2 cent each year
+ translations costs
 1.2 cents each year
+ translations costs
California       37,691,912  $1.27 each year  $1.04 each year   $2.31 each year
Texas              25,674,681  $1.86 each year  $1.52 each year   $3.38 each year
New York        19,465,197  $2.46 each year  $2.01 each year   $4.47 each year
Florida            19,057,542  $2.51 each year   $2.05 each year   $4.56 each year
Illinoia            12,869,257  $3.72 each year  $3.04 each year   $6.76 each year
Pennsylvania  12,742,886  $3.76 each year  $3.07 each year   $6.83 each year
Ohio                11,544,951  $4.16 each year  $3.38 each year   $7.54 each year
Michigan           9,876,187  $4.87 each year  $3.95 each year   $8.82 each year
Georgia             9,815,210  $4.90 each year  $3.98 each year   $8.88 each year
North Carolina   9,656,401  $4.98 each year  $4.04 each year   $9.02 each year
New Jersey        8,821,155  $5.45 each year  $4.43 each year   $9.88 each year
Virginia             8,096,604  $5.93 each year  $4.82 each year  $10.75 each year
Washington       6,830,038  $7.03 each year  $5.72 each year  $13.75 each year
Massachusetts   6,587,536  $7.29 each year  $5.93 each year  $13.22 each year
Indiana              6,516,922  $7.37 each year  $5.99 each year  $13.36 each year
Arizona              6,482,505  $7.41 each year  $6.02 each year  $13.43 each year
Tennessee         6,403,353  $7.41 each year   $6.10 each year  $13.51 each year
Missouri            6,010,688  $7.99 each year  $6.49 each year  $14.48 each year
Maryland           5,838,289  $8.23 each year  $6.69 each year  $14.92 each year
Wisconsin          5,711,767  $8.41 each year  $6.83 each year  $15.26 each year
Minnesota          5,344,861  $8.99 each year   $7.30 each year  $16.29 each year
Colorado            5,116,769  $9.38 each year  $7.63 each year  $17.01 each year
Alabama            4,802,740 $10.00 each year  $8,13 each year  $18.13 each year
South Carolina   4,679,230 $10.26 each year  $8.34 each year  $18.60 each year
Louisiana           4,574,836 $10.50 each year  $8.53 each year  $19.03 each year
Kentucky            4,369,356 $10.99 each year  $8.93 each year  $19.92 each year
Oregon              3,871,859 $12.40 each year $10.08 each year  $22.48 each year
Oklahoma          3,791,508 $12.66 each year $10.28 each year  $22.94 each year
Puerto Rica        3,706,690 $12.99 each year $10.29 each year  $23.28 each year
Connecticut       3,580,709 $13.41 each year $10.90 each year  $24.31 each year
Iowa                   3,062,309 $15.68 each year $12.74 each year  $28.42 each year
Mississippi        2,978,512 $16.12 each year $13.10 each year  $29.22 each year
Arkansas            2,937,979 $16.34 each year $13.28 each year  $29.62 each year
Kansas               2,871,238 $16.72 each year $13.59 each year  $30.31 each year
Utah                   2,817,222 $17.04 each year $13.85 each year  $30.89 each year
Nevada               2,723,322 $17.63 each year $14.33 each year  $31.96 each year
New Mexico        2,082,224 $23.06 each year $18.73 each year  $41.79 each year
West Virginia    1,855,364  $25.88 each year $21.03 each year  $46.91 each year
Nebraska           1,842,641 $26.05 each year $21.17 each year  $47.22 each year
Idaho                 1,584,985 $30.29 each yaar $24.61 each year  $54.90 each year
Hawaii                1,374,810 $34.92 each year $28.37 each year  $63.29 each year
Maine                 1,328,188 $36.14 each year $29.37 each year  $65.51 each year
New Hampshire  1,318,194 $36.41 each year $29.59 each year  $66.00 each year
Rhode Island     1,051,302 $45.66 each year $37.10 each year  $82.76 each year
Montana               998,199 $48.09 each year $39.08 each year  $87.17 each year
Delaware               907,135 $52.92 each year $43.00 each year  $95,92 each year
South Dakota        824,082 $58.25 each year $47.33 each year $105.58 each year
Alaska                  722,718 $66.42 each year $53.97 each year $120.39 each year
North Dakota        683,932 $70.19 each year $57.03 each year $127.22 each year
Vermont               626,431 $76.63 each year $62.26 each year $138.89 each year
Washington DC    617,996 $77.68 each year $63.11 each year $140.79 each year
Wyoming              568,158 $84.49 each year $68.65 each year $153.14 each year
New York City    8,175,133   $5.87 each year $4.78 each year   $10.65 each year
U.S. College Students                                 19,100,000   $2.52 each year $2.04 each year   $  4.55 each year
U.S College + K12 Students          76,100,000  63 cents each year  51 cents each year   $  1.14 each year
U.S. K-12 Students 57, 000,000 including
home schooled
69 cents each year   $  1.53 each year

If governments, and states would share course costs, and
block people from getting an accredited education, or a
wanted job, which
they all
do now, (encouraged by most
trades, and labor unions promoting obstructive
licensing to reduce their competition by requiring
delayed field entry, unnecessary high entry costs,
and thus increase
their charges to you). All people themselves
could afford
to pay the 2 cents to 28 cents, per year, that is
required, to get an
accredited education, under a podcast
course system, or could afford to pay the low cost, each year,
to get their total education from kindergarten through a
bachelor degree, with 2.8 Billion English and Mandarin
speaking people sharing the costs, or just the citizens of any
 state or country sharing the podcast educational costs. (with
K-12  and  college podcasts) teacher's homework and grading
would be drastically reduced and thus more rested for their
important school teaching)

Examples of deceitful rules at all occupation levels, that also
prevent employees from starting their own business,
raising unemployment, and increase your cost of life:

a. State law requires House painters in Massachusetts to
work for a painting company for 4 years before they can take
a rigging test that allows them to use ladders and staging,
this can be learned in 1 day. (This legal ruling prevents
students competing, earning summer money, and cheaply
painting your house.

b. Roofers in Florida must work 4 years with a contractor
(before it was no years, and prices were as low as 8 cents
per square foot) to pass a test that many roofers who
worked 30 years, in other states, can't pass, and to learn
all types of roofing work, instead of just the kind they want
to do, (result after legislation: prices are 3 times higher and
many people learn to do their own roof in two hours. Of
course, none of the then existing Florida roofers had to
take any test at all, and all the finished roofs continued to
be inspected after completion, as before, indicating no
need at all for prior testing.)

c. Dentists are required to have 9 years of education to do
some procedures that Alaska, New Zealand, and many other
allow with 2 years of training (with equal skill, as
research proved), as indicated in Exterior Link  $1000 to $3000. U. S. root
canals can cost as little as $18 to $65 dollars in India.

d. U. S., and Canadian Doctors and dentists are required
to pass tests that in many years, only 1/3 pass, and to have
4 years of college before medical school while in most
students start medical school after high school,
learn everything they need to know, and thus get 4 more
years of practice in their lifetime as doctors, and
technicians are prevented from doing simple medical
that the Veterans Administration, and many
other countries
encourage. (All this is how they, and the
colluding government, keep your prices high, get  their
treats,  and eliminate competition from low cost sources).
(My father, board certified in 2 specialties, would play golf
3 days a week while
I , at 17 years of age, would put a
green liquid in his patients eyes, fold their eye lid over
and remove any irritating particles from these patient
eyes, free of change. (Anyone can do this with 2 minutes
training, and not need the 24 years of education he had.
Other daily done procedures are just a simple)

Legislators are now protecting brick-and-mortar schools
competition by now requiring that school have a
campus. (What grass are they smoking?) Total spending
on U. S. education, from all sources, and including all
levels is about 1.13 trillion yearly, mostly for buildings
and administration.
Exterior link

U.S. citizens are taxed to support a military industrial
complex that consumes 6.61 times more of its dollars than
the 2nd biggest spending nation does.
(661 billion for U. S.
and 100 billion for China). Just the cost of one air craft
carrier, 5 billion, cost the same as 104 years of 80 bachelor
degree podcast courses)
. Exterior Link

g. And the cost of keeping aircraft carriers in the Persian Gulf
from 1976 to 2007 = $7.3 trillion. The cost of this effort
divided by the total podcast cost of schooling from
kindergarten through a bachelor degree =
($7,300,000,000,000 / $87,000,000 equals the cost of 83,908
years of lost education from kindergarten through a
bachelor degree for earths 2.8 billions English and
Mandarin speaking people. (Would it cost less than
$7.3 trillion dollars to create a solar energy source that
could fulfill 100% of U. S. energy needs, and how much
did this decrease the value of your dollar?) Exterior Link

h. Or, the U.S. Government could educate 2.8 billion English,
and Mandarin speaking people for up to 745 years with the
$35.8 billion in Pell Grants that were scheduled to educate only 9.1
million U.S. students for 1 year. ($35.800,000,000 / $48 million,
(1 year Pell Grant Funds / the yearly cost of 80 bachelor degree
podcast courses = 745+ years of college.) External Links

(the above 2 link report different Pell Grant spending for the same years, Sorry!}

It does not always pay to put yourself, your team, your state,
your country, your religion, always ahead of others, and the
earth. In the end YOU lose
. Cooperation beats the hell out of
competition in this podcast case.

I like my country as much as you do but I am not blind! Is it
any wonder U.S. prices cannot compete with other countries,
and that the U.S, is loosing most of its industries because of
these anti-competitive practices???

Other-language speaking countries could translate podcast
courses, modifying them to suit their individual language
and cultural needs, and if their citizens took these same
podcast courses, much of the world's education problems
would be solved, and cost would no longer prevent people
from getting the job they wanted which is now blocked
because people do not have the money or time to go to
college, and blocked by licensing laws which require a
degree before one can go further in school, or even get a
wanted job. This, to some degree, happens in all nation.

How would you test these students so they could get an
accredited degree? After studying each individual course,
taking their lesson tests on that course, and feeling ready for
that final, each student could be tested on their home
computer, or at high schools, etc, while being photographed
with face, iris, finger, or key stroke identifying software.
Chronicle article on finding cheaters—Exterior Link

Ways to stop online cheating-External Link

The many final test questions of a large bank of questions,
would be randomly re-mixed after each test taker. The course
software would notify the accrediting entity when each person
had passed individual finals, and when the required number
of course finals have been passed each student would get
their bachelor degree from a course accrediting entity
recognized by all countries, state and federal government, and
hopefully by all educational institutions as meeting their
school requirements, life would be enriched, simplified, and
cost drastically less. (More educated  males and females have 
fewer children.This could eliminate population runaway growth, 
and cause less global warming, and the oceans from rising 
over our heads)

Currently people travel to their universities, or schools to get
their education. Much gas, money and time is consumed that
could be saved to learn. In their 10 minutes to two hour trip to
class and back, lives are risked in traffic, on average, wasting
a half gallon of gas traveling back and forth, spending up to
2 hours daily in traffic, walking between classes, waiting for
class to start, and getting back home.

In a modern, efficient podcast world this waste is eliminated.
Now thousand of professors give the same lecture on the same
subject, in the same type of buildings, needing grounds and
building maintenance, police service, administrative controls,
plumbing, etc. One podcast can replace this waste, all these
thousands of then unneeded trips, buildings, administrators,
sidewalks, grounds service people, and professors, then would
be freed to do other important work elsewhere and this would
save trillions. This reduced cost would make it possible for
the poorest of poor to be educated.

In some countries up to 19 % of their budget is spent because
of wasteful education methods, and this prevents people from
fulfilling their other equally important personal needs. (Of an
estimated $l.l trillion being spent nationwide in the U.S. on
education, at all levels, for school year 2009-2010, a substantial
majority came from State, local, and private sources.
External Link

Could this cost be cut in half, or much less with a liberal use of
podcasts? It is the customers of students who finally, actually
pay for the students high education costs and this makes the
cost of life very expensive. A study being carried out by the
geographer, Ronald Dorn at Arizona State University suggests
that students who use free online textbooks perform as well
academically as students who buy expensive copies from
traditional publishers. India, China and other countries could
also create courses and software. South Korea already has
Robots do some of their teaching.

How much money would international students attending U.S.
schools save every year if the total number of English
speaking people (1,500,000,000 of them) shared the cost of 80
course podcasts ($48,000,000) and the international students
used those courses for their education by studying, on their
computer, in their home instead of going to brick and mortar
U.S. schools? Answer: Total spent by U.S. International
students / number of international students equals amount
spent by each student = $17,600,000,000 / 671,616 = $26,206
= (spending per student rounded ). But with all English
speaking people sharing the cost of podcasts the total
spending would have been = number of students X yearly cost
of educating each student = 671,616 X $.03 = $20,148. If the
podcasts were used = $17,600,000,000 - $20,148 =
$17,599,979,852 would have been saved by people sharing the
costs of podcasts, and this saving is just for international
students. Total savings world wide would be trillions if people
studied at home and used podcasts instead of going to brick--
-and-mortar schools. (source of total spent by international
U.S. students is Peggy Blumenthal, executive vice president
of the Institute of International Education, who notes that
international students spend an estimated $17.6-billion in the
U.S. economy in 2008-9.

Publishers could create $1 a year, and less  bachelor degree & K-12 courses

Publishers could be contracted to yearly produce
state and federal government accredited podcast
courses in the same education specialty in which
they currently produce textbooks.
Each superior, more complete podcast course
would be in voice, bold clear print, or braille,
changeable to other languages with each chapter
being able to being instantly updated from new
knowledge, and from learning from the students  
question how text could be improved to increase
Software could answer questions
and provide lacking knowledge indicated by
student queries. E-book indexes could be linked
to text pages, interactive text to
definitions, have art work,
and practice chapter

A course accrediting agency could give the student
credit as each course is taken and passed at home,
at their  local high school, on a computer linked to
anti-cheating software. After each student had taken
a test the large bank of final questions would be
remixed, and when the required number of courses
is passed each person would get their degree.

Universities could not afford and do not produce  a
course of this quality for their few hundred people, but  
with group buying, podcast education would have a
quality not now available in any University that could
be listened to repeatedly. This would dramatically
reduce the cost and improve the quality of education
to people and their governments, and save trillions.

Ideally, these courses would not be copyrighted,
could be modified to suit the use of any people,
country, business, or person, thus have much  
greater utility, and not be required to be totally
created again and again for different users.
For 80 bachelor degree podcast courses covering
many of the needs of various college degrees,
and 65 K-12 courses, from kindergarten to 12
grade would cost $87,000,000. @$600,000 each.
(Some professors get only $1,800 for teaching one
course and cannot afford to put much time in) If
each of the combined Mandarin Chinese, and
English speaking people paid 3.1 cents per year
for their total  podcast education from kindergarten
through college. $87,000,000/2,800,000,000 = 3.1,
but if only the 3ll,894,000 U.S. residents paid 27
cents each they too would have paid for their total
education. With cooperative buying education costs
pennies. (Below find a more detailed list of how your
courses could be made better.)

A partial ultimate Course content wish list

a. The lecture vocabulary would be given before a lecture
with the pronunciations and definitions of terms, that can be
skipped or clicked on.

b. The preliminary background knowledge required for
understanding the lecture, and a link to this knowledge
provided in the lecture text, can be clicked on or skipped.

c. Possibly many more than the number of course lectures
than the average school provides with much more detailed
background knowledge which can be discussed (or linked to).

d. Intelligent Software that all by itself can answer a student's
questions on a particular subject and an awarenesss, by the
software, of the student's missing background knowledge from
the questions asked, and a direct link to that source. On the
TV game show Jeopardy, a computer called "Watson" was
used to challenge the best human minds, and with questions
limited to one course, (instead of 10,000,000 documents that
"Watson"was programmed with) why can't this goal be
achieved? This would eliminate the need to ask questions
personally to a frequently unavailable professor or even to
a teaching assistant.

e. Each computer course links to websites so that questions
can be asked on the Internet, with other students answering
when the questions have not been answered by course

f. All textbooks would be included online and any word that
is clicked on would be defined, and pronounced. If a page
number in the index is clicked on, you are taken directly to
that page.

g. Interactive software could be available.

h. A podcast virtual teaching laboratory in which one learns
much as is learned in an MIT Laboratory, but possibly more,
and with video displays.

i. Your favorite Icon as your virtual teacher, Albert Einstein,
Isaac Newton, Madam Curie, etc.

j. In your comments, you could add to this course content
wish list your additional wish list items

k. It would be ideal that a course language could be
translated to all languages at the click of a key, and this might
someday happen. If all 1.5 billion English speaking people
shared the $48,000,000 cost of these 80 courses all of
Harvard's 2110 students could be educated for $67.52 or
about 3 cents each instead of $50,000 each, and the total
combined cost of educating all of MIT's 4232 undergraduates
would be about. $135.43 each year.

Any university, primary, or high school could not afford to
pay the course cost of this ultimate course education wish list
for just their own in school use, but with countries sharing
the cost an affordable, ultimate Bachelor Degree, primary,
and high school podcast course can be constructed for
pennies, that would be superior to existing courses in the
current brick-and-mortar schools, and China's, India's and
the world's educational problems would be solved.

There is a shortage of high school science teachers. Podcast
courses would solve this problem, provide, podcast lessons
to replace absent teachers, as well as providing courses on
unavailable subjects, or courses too short to take a whole
semester. Sick people, people that cannot leave their homes,
the prison population, and trades people, (including
vocational training) could all learn in their current location,
and very advanced high school students could get their
bachelor degree before finishing the 12 grade.

Legislators are now protecting brick-and-mortar schools
competition by now requiring that school have a
This gives the legislatures money or other awards
for this criminal act but robs you of the opportunity of a
cost education, which anyone could afford.
These laws need 
to be overturned. 

What do you, we, need to do to provide inexpensive, quality
education, and overcome any educational lobby or other  

political resistance to this change?
To start, you could
advertise by spreading the word, on the social media of this
educational method and website, (to get people started!!!!!!)

Or, you could walk, at your college campus, on the PUBLIC
sidewalk, adjoining the PUBLIC street, and exercise your
PEACEFUL, free speech rights with this sign.
How schooling for
a bachelor
degree could cost $1 a year or less as explained in: 

Very little of Endowment Funds go to Students. What
 could  YOU do to change this, or reduce student costs?

Total Value of U.S. Endowments to colleges and 
Universities equals $411 billion, with 76 of these
institutions having total assets of more than one 
billion. Harvard University alone, has $32 billion.                              
The average payout to student's education is 4.6% 
per year of the total endowment assets, with the 
larger endowed colleges paying only 4.4% 
on average, 
but some pay much less of their total endowed assets. 
Students get very little of the money given.  Exterior Links

List of U.S. Colleges and Universities by endowments 
Per college, Per  student, and by growth. Exterior Links - Endowments_.3E.241_billion

The Purposes and Uses of Endowments vary with giver and
receiver, with students getting very little of the money given.

Various measures of  PellGrants spending, through the years  Exterior Links
(PellGrant Recipients increased from 1.9 million in 1976-77  to
9.1 million in 2010-11, and spending increased from 5.6 billion
in 1976-77 to $34.8 billion in 2010-11, (according to this article, 
but the data in the links provided sometimes conflict with each 
other. Sorry!!!)

Rankings for Colleges, Grad, On-Line, and K-12 Schools

World Wide College Rankings
http://en.wikipedia.orgWorld Wide College Rankings_and_university_rankings

Ranks College, Grad School, High Schools, and On-line Schools
Exterior Links
Book- "Bear's Guide to Earning Degrees by Distance Learning"
Princeton Review Rankings

College Choices for Adults  -Compare 3 college choices,
included are student demographics, satisfaction rates,
retention and completion rates.

Law School Rankings

Business School Rankings

Ranking K-12 Schools

Global Rankings

1. Current Educational Sources

Sources of Free money for you to go to College External Link

Free student grant money that does not have to be paid back,
(up to $5500)

"Secrets to Winning a Scholarship" by Mark Kantrowitz"
(9781456459949) book with advice about how to find
and win a scholarship or fellowship, paperback, $9.95.
He also publishes two websites about financial aid
Exterior Links

Interesting video external link Let’s use video to reinvent education

MIT's free courses for self learners

Exterior Link

U. of Illinois at Springfield Offers New 'Massive Open Online Course'
Exterior Link

Definitive User Guide to Exterior Links to 3766+ free University
Courses (any link that does not work copy and paste it in 

Free online Education -External Links- grouped by

Language | Institution Name | Country | Courses |

Advanced Course Search | OpenCourseWare Websites

Countries with Open Course Ware (free online education):
Click Country, school, course, Language External Links from:

Free software listing many educational sources at, (put in):
"download itunes" in your search engine."Podcasts for
Preschoolers", K-12, all sorts of podcasts, university lectures
and courses are available to your computer and from your
portable devices.

National Academies Press announced it would offer its entire PDF
catalog of books for free, as files that can be downloaded by
anyone (4000 Books)
The National Academies Press

 Thousand+ free popular courses Exterior Link

Free Flash Card Software for remembering and reviewing.
External Link

To get even more courses put in the key word "courses,
education" in your search engine.

Thousands of Free Courses at all grade levels

Free wonderful TV Education Sources External Links A to Z
--For Kids Teachers -Listed A to Z by year and categories by Future TV Schedule by Title by Subject - 2811 Listed by Year Made
List by History

Classic Arts Showcase/pbs Free Theater Shows, Ballet, Classical video,
etc., 24 hours a day, already available in many communities
or if you have a satellite dish for C-Band signals. (Check
the Internet for more info.)

External Links

Annenberg Media

Article External Link

UNESCO Article External Link- Info on 2000 Free MIT courses

This could coordinate the work of various educational
groups around the world http

50 Best OCW Collections External Links

Top 10 Free Open Courseware Directories

This List Includes Most U.S.Tuition Colleges (cost from Free
$215.00 to $45,995.00) Course, listed by Name, Cost, Size,
& Subject Taught External Link

YouTube Edu External Link

External Link 10 Best Uses of the Internet for Academic Purposes

2. Textbook info to lower your Costs:

Textbook Sources: Free and Pay

Art History e-book

Apple’s iBooks

Free E-Books (33,000): External Link ProjectGutenberg

Literary Classics, etc, etc, etc External Link Google Books

Google 3 Million ebooks External Link

Early English Books Online (EEBO)

Eighteenth-Century Collections Online (ECCO),

Early American Imprints (Evans). Collections of old books online! The Text Creation Partnership

Open Library -a Lending library 9313 works, and 10,784
ebooks, with more coming External Link

Internet "Archive" Software, Music, Art, etc.
External Link

New at iTunes U: Free E-Books-Oxford, Rice, and the
Open University have added digital books to the lectures
and other materials available on the education-content,
creating forums for reader interaction.

Free on line open textbooks copy link and paste in your search engine

E-book sharing sites such as: External Links

Ebook sources enter ISBN, Title
author or keywords, copyright year, edition, or subject (on
line or down loadable, 12,496 items+) $6.95 & up for 360 days.
External Links

Buy cheap textbooks External link

Link to learning material external link

Compare online bookstores, Amazon, Barnes and Noble,
eBay, Varsity Books, and

Textbook Developer Adds YouTube Videos to E-Books  Exterior Link
Students will be able to access Khan Academy's
instructional videos from e-textbooks sold by Kao Inc.

Publisher External Link
promised free access to all of its E-textbooks.

Compares your potential supplier's prices by subject,
author, or ISBN & etc. External Links

Use a comparison shopping service such as: Exterior Link
Best Book Buys
(lets you compare the availability of books
from up to 20 bookstores, including shipping, handling and

Four of the largest textbooks publishers in the U.S.
Exterior Links
Houghton Miffin Harcourt

Additional Textbook publishers: External Links:
F. A. Davis Company exam review Products

Flat World Knowledge
Jones and Bartlett Publishers
John Wiley & Sons
Sage Publications
W.W. Norton & Co.

Publishers Costs:

64% to 67% of the cost of a new textbook goes to the
publisher, 9% to 12% to the author, 2.5% to the freight
company, 9% to 22.7% to the store or college, and 12.5% to
the bookstore, (University of Phoenix converted to electronic
books years ago, to reduce costs and compete for students.)

Many publishers costs could be eliminated by countries,
states, cities, public and private school joining together to
select an author and produce the same online, open course
textbooks in the millions, which could be modified to satisfy
local requirements,and cost could be much, much, much less.

Textbook finding Suggestions From Students

1. Provide multiple copies of each college assigned
textbook in the library.

2. Students donate their used course text at the end of the
course to the library. (if the library will shelf your book)

3. Share your copy on different study days. Ask professors
to put their copy for students in the school library.

4. Search through the free OCW (online course ware) for
textbooks used in the course area of your interest, and learn
from that on line textbook used in the free course, so you will
have the knowledge you need in your textbook-less course:
Example: Calculus Online Textbook, (with instructors, manual,
guide and video, from "MIT OpenCourseWare")

5. Students, themselves should provide master lists of
online free textbooks in all subject categories.

6. Faculty should know and consider costs of their
assigning books and identify book costs in syllabi.
Students could inform professors that violate this rule.

7. Faculty should list books early so that students can
investigate all purchasing options, and avoid ordering new
editions when they do not contain significant changes from
past editions.

8. Buy books on the international market.

9. Gamble by not buying the required books.

10. Use on-campus bookstores as a resource to gather price
information and ISBN codes for early buying, for shopping

11. Compare online bookstores, Amazon, Barnes and Noble,
eBay, Varsity Books, and

12. Search each vendor individually or use a comparison
shopping service such as Best Book Buys (lets you
compare the availability of books from up to 20 bookstores,
including shipping, handling, and taxes), or Big Words.

13. Meet students in your major through campus clubs
organizations and buy books through those acquaintances
and friends.

14. Many of the classics such as Shakespeare's plays, are
available or free online at sites like ProjectGutenberg, that has
thousands of free e-book titles available for downloading.

15. Consider buying an older, used edition of a particular

16. Some colleges have a book recycling bin outside their
bookstores, (suggest one).

17. Some colleges and alumni associations offer small
scholarships to help needy students with textbook costs.

18. Some textbook publishers offer online versions of
textbooks that students subscribe to for a semester or more
without having to buy a copy of the book.

19. Ask professors to use free, online, open-source
textbooks whenever academically appropriate. Online
textbooks-Pearson Education, which operates online as
SafariX Textbooks Online
has online versions of some of its
titles. Several widely used economics textbooks are available
online at Aplia. Ask your professor if there is an online
version you need.

20. Check out the Student PIRGs- Public Interest Research
Groups: Exterior Link from
which many of these ideas came from.

21. Examples of some available open textbooks, which
generally are free, if used for noncommercial purposes, are
on this Website. External Link:

22. Put the list of required texts in registration materials so
students would have time to shop.

23. Use a publishing house that offers books in the public
domain for $10 to $30s.

24. Students could collectively write a free online textbook
by using existing texts as a template, when one does not
already exist.

24. Professors have agreed to assign open textbooks,etc.
Exterior Link

Exterior Link List of Signatories: Faculty Statement on Open Textbooks - Student ...

25. Lobby Congress and students to establish a grant
program for open textbook authors.

26. Promote open source, free source textbook with students
searching for such authors, (and giving professors lists.)

27. Provide your list of online free textbook sources which
others should add to.

28. There are 14,000 U.S. school boards, duplicating the
work and decisions of each other (on buying, picking
book, and courses), could there be 1 and save billions
of your tax dollars?

28. Public, private schools, and different countries could
work together, hire authors, and publish identical textbooks,
by the millions, and cut costs by 90% or create open course
books that each country could modify to suit their own
preferences. Example: China, USA, India, Pakistan, and
Afghanistan all could use the same modified open course
textbooks, online or paper. (Make love, Not War!!)

Textbook Articles:

Will professors build their own textbooks?-External Links

3. (You) Create a College Problem Solving Think Tank
How else can students do anything they do? Use Internet
Group Sourcing (Group Brainstorming) to solve, and provide
ideas for other ways to do anything you do. Can you get to
school a different, cheaper way? Buy food the same way small
groceries do for 1/4 the cost, in boxes, and divide it with other
students, (Many of these suppliers will sell to you, and
frequently deliver, as I have already checked) Have a buying
coop, Rent a house with others, and reduce your rent cost by
more than half, but protect yourself by planning how to deal
with problem people. Are there IT solutions to deal with
parents, or grandparents to help them solve their problems?
Can you convince the CEO of the company you want to work
for that you can already perform needed tasks with your

education? Start your own company, hire someone
with the needed educational credentials and hire yourself.
List everything you and others do and want to do, and find a
better way!!! Idea Example: Are some citizens willing to let a
student live rent free, for work that does not take much time
so you have time to study. Some house bound people need
people to shop and do other tasks that do not take much time.
(You have to check to find out and some years the answer
will be yes, or no. You could put an add in the paper or ask
the paper to take your add free.) Going to college, including
summers could cut some of your cost by 25%.

Sources of Free money for you to go to College External Link

Free student grant money that does not have to be paid back,

(up to $5500)

4. Learning and teaching tech aids

Subscribe to the free"Tech Therapy" podcasts by Chronicle
of Higher Education listed in itunes (which is free software
on the Internet that you download using the key word
"download itunes" in your search (on evaluating IT)engine).
Shortcut to above: External Link
an MP3 file (on evaluating IT)

Free Flash Card Software for remembering and reviewing.
External Link

MIT Media Lab (To explore for general interest ) Exterior Link

Example of a free learning tool that is a better teacher
than you get in colleges. (words are pronounced,
defined, explained, etc.) We need 80 such tools in
core courses that are paid for by all English, and
Mandarin Chinese speaking countries and translated
into other desired languages. External Link

With Skype videoconferancing services ("Skype in the
class room"), guest speakers, professors, and
students can attend lectures remotely via the web
Teachers share tips, experts, resources, links,
teaching ideas, pair classes, and chat. With
standard videoconferancing, homeschoollers
could share with each other, in other countries,
in all kinds, and levels of formal and informal
Exterior Link
cam Exterior Link
Is like Skype but allows for multiple video chats simultaneously.

Support Forums are being used to help students help
each other, creating chat-rooms, extending classroom
discussions, answer questions, and assisting with
homework. Look for them.

CourseSmart, http://, Alternative Media Access Center, , and AccessText Network, , are translating digital Textbooks
into braille and scanning with text-to-speech computer
software, so that they can be read out loud.

Instructure will make most of its software
platform available for free under an open-source
license. Instructure is a course management
company. External Link

Chronicle Article about Bill Gates prediction External Link


Will professors build their own textbooks-External Links

Chronicle article on teaching large classes Exterior link

5, Home schooling

Sources of Free money for you to go to College External Link

Free student grant money that does not have to be paid back,,
(up to $5500) External Link

"Secrets to Winning a Scholarship" by Mark Kantrowitz"
(9781456459949) book with advice about how to find
and win a scholarship or fellowship, paperback, $9.95.
He also publishes two websites about financial aid Exterior Links
and http//

Home schooling, home learning, home education,
by tutors or parents is legal in all 50 U. S. states, but not
in all countries, and it is regulated by laws. On average,
the home schooled outperformed public school peers by
30 to 37 percentile points across all subjects, with almost
no performance gap between minorities and genders. On
average, homeschooled children score eighty-one points
higher than national averages on the SAT scores, are
better socialized and have more self confidence.
External link

With video conferencing your students can remotely attend
classes, formal and informal, in many countries, languages,
and educational levels. Your effort, and imagination is your
major limit. Also, check out. External Link

which is about remote video education in the U.S. states. Exterior Link
Is like Skype but allows for multiple video chats simultaneously

Free software listing many educational sources at,

"download itunes"
in your search engine."Podcasts for
Preschoolers", K-12, all sorts of podcasts, university lectures,
and courses are available to your computer, and from your
portable devices.

Interesting video
external link Let’s use video to reinvent education

Free Flash Card Software for remembering and reviewing.
External Link

Free wonderful TV Education Sources External Links A to Z
For Kids Teachers -Listed A to Z by year and categories by Future TV Schedule by Title by Subject - 2811 Listed by Year Made List by History

Classic Arts Showcase/pbs (Copy and paste link in
your search engine) Free Theater Shows, Ballet,
Classical video, etc., 24 hours a day, already available
in many communities or if you have a satellite dish for
C-Band signals. (Check the Internet for more info.)

Open Library-a Lending library 9313 works, and
10,784+ ebooks, more coming External Link
Internet "Archive" Software, Music, Art. etc. External Link:

Keywords to find education on the web for students
free education websites
free teacher websites
free school websites
free teaching websites
education games
course education
"teaching courses"
homes schooling
homeschooling information
homeschooling facts
advantages of homeschooling
homeschooling articles
against homeschooling
online homeschooling
Homeschooling in the United States

If you and your student picks from the choices, they and you,
are frequently happier.

6.Group Sourced Questions for you?

To be listed soon.

People's Comments

A place for your brain storming ideas and comments will be
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Subject to the provisions of these Terms, you agree that all
communications or submissions through or on the Site are
non-confidential in nature and by such communication or
submission, you grant or warrant that the owner of the
communication or submission has granted, to us an irrevocable,
exclusive, royalty-free, sub-licensable, world wide
license (including but not limited to copyright license) to
use such communication and/or submission in any media
for any and all purpose, WE OWE YOU NO DUTY TO NOR
any of the terms and conditions, your permission to use the
Content automatically terminates and you must immediately
destroy any copies you have made of portions of the Content.
Any and all suggestions, feedback, ideas, concepts, comments,
illustrations and other materials that you disclose or offer to
us on or in connection with this Site or any Site Materials

("Submissions") are submitted without any restrictions or
expectation of confidentiality. You hereby assign to us without
compensation or further obligation, all rights now known or
hereafter existing to use, or assign the right to use, the
Submissions. You further agree that we will be entitled to
unrestricted use of the Submissions for any purpose
whatsoever, commercial or otherwise, without compensation
to you, including the right to use, reproduce, modify, adapt,
publish, transmit, publicly perform or display, translate, create
derivative works from, or otherwise communicate to the public
the Submissions on this Site or elsewhere. You will not assert
any proprietary right or moral right of any kind with respect
to any Submission.

You agree to defend, indemnify, and hold
harmless, and or affiliates,
and our and their respective directors, officers, shareholders,
proprietors, partners, employees, agents, representatives,
servants, attorneys, predecessors, successors and assigns,
from and against any and all claims, proceedings, damages,
injuries, liabilities, losses, costs and expenses (including
reasonable attorneys' fees and litigation expenses) relating to
or arising from (1) your use of this Site, any Site Materials, or
any products or services obtained on or through this Site, (2)
any arrangements you make based on information obtained on
or through this Site, or (3) any breach by you of this User

the Terms of Use is made in, and will be construed and
enforced in accordance with, Florida law (without regard
to its provisions governing conflicts of law), as applied to
agreements entered into and completely performed in
Florida. You agree that any action arising out of the content of
this Site, your use of the Site Materials, or any action to
enforce the Terms of Use will be brought only in the
federal or state courts presiding in Orlando, Florida, U.S.A.,
and you expressly agree to be subject to the jurisdiction of
such courts. Use of this Site is limited solely to persons who
agree to resolve any and all disputes pertaining to this Site
in the Federal and state courts of Florida, and such an
agreement is an express condition to use of this Site. This
Site is controlled and operated by, from its offices within
the United States. We make no representation that this Site
or the Site Materials are appropriate or available for use
outside of the United States, and access to this Site or the
Site Materials from territories where their contents are
illegal is prohibited. Those who choose to access this Site or
the Site Materials from locations outside of the United States
do so of their own volition and are responsible for
compliance with applicable local laws.

USE OF COOKIES: We may further employ cookie technology
to allow Users to move more quickly through our Site.
Cookies are small text files a website can use to recognize
repeat users and facilitate the User's ongoing access to and use
of the Site. Generally, cookies do not come onto a user's system
nor do they pose a threat to a user's file. We cannot control the
use of cookies by third party hosting data for us. In case a User
does not want information collected through the use of cookies,
most browsers allow the user to deny or accept the cookies

You acknowledge that all information transmitted from and to, shall be transmitted over
local exchanges, inter-exchanges and Internet backbone carrier
lines and through routers, switches and other devices owned,
maintained, and serviced by third party local exchange and long
distance carriers, utilities, Internet service providers, and others,
all of which are beyond the jurisdiction of, and its suppliers. Accordingly,
we do not assume any liability for or relating to delay, failure,
interruption or corruption of any data or other information
transmitted in connection with the use of this site.



MISCELLANEOUS: The following provisions will survive the
termination of the Terms of Use. Failure to insist on strict
performance of any provisions of this User Agreement will not
operate as a waiver of any subsequent default or failure of
performance. No waiver of any provision of this User Agreement
will be valid unless in writing and acknowledged in writing or
electronically by both parties. If any portion of the Terms of Use
is adjudged invalid or unenforceable by a court of competent
jurisdiction, the remaining portions will remain valid,
enforceable, and in effect. No joint venture, partnership,
employment or agency relationship exists between you and, as a result of this Terms of
Use Agreement or your use of this Site or any Site Materials.
Any rights not expressly granted herein are reserved by This Terms of Use
Agreement constitutes the entire agreement between you and, whether written or oral.
You acknowledge that, in providing you access to and use of
this Site and the Site Materials, we have relied on your
acceptance of this User Agreement.

Copyright © 2010 (TM)

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