<p>As a note for people with grants from your school, you should watch them too. I’ve been hearing worries of where all the money is going to pay for grad students, as a lot of the stipends here are paid out on the earnings of various parts of the endowment over a five year averaged period. So, if the downturn continues, grad school might not be that likely of an option for a lot of students as funds given by the school dry up a bit.</p>