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Wall Street Oasis » Forums » Monkeying Around
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How Would People From Non-Targets Fare at a Target School?
 

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Al Bundy's picture
Al Bundy
      ER
 
(Senior Orangutan, 491
 
Points)
 on 5/27/11 at 8:50pm
skul.JPG

Hi,

So first of all, let me be very clear that I do not intend this to be a put down/prestige whore thread, so please keep it civil. However, I am currently a student at a non-target and while I'm not even an overachiever there (GPA is only around 3.7), I often wonder if I had gone to a prestigious school if I could even compete there or if I would be stuck with a 3.0-3.3 GPA and still be in a pretty bad spot in terms of breaking into banking. I feel like I have just as much intellectual curiosity and work ethic to compete with the kids at some ivies, but all of my friends that go to a prestigious school are both incredibly talented and work very hard.

From what I've seen at my state school (btw, I mean complete non-target, not places like Ross/Haas/etc.), I feel like there are still a good chunk of kids that are book smart/able to get good grades, but there are very few intellectuals, which is the real difference between the quality of target and non-target kids. For example, at a state school, the top kids would get all or mostly As/A-s, pick up some leadership position or 2 at a large school club, then just party. At an ivy, on the other hand, my friends are not only getting killer grades and normal leadership positions, but also do a lot of outside reading/learning and are founding clubs/groups or winning huge awards on top of all that.

That's why I was wondering if anyone somehow knows this firsthand (i.e. someone who went to a large state school then to Wharton/Stern or something like that). I got wait-listed at Cornell/Vanderbilt-type places in high school and whenever I don't do well on a test, I wonder if I would get absolutely crushed over there, or if me not being the best at a non-target doesn't imply that I'd be screwed at a top school.

Sorry for the long post, but again, lets keep it civil.

Pretty women make us BUY beer. Ugly women make us DRINK beer.
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Tags:
  • target
  • non-target
  • Monkeying Around
aisixerdude03's picture

Sohn Investment Contest

aisixerdude03
      IB
 
(Monkey, 35
 
Points)
 on 5/27/11 at 9:15pm

Sohn Investment Contest Winner is not from the Ivy League, but from Indiana University. He is among a group of Investment Banking Workshop elite students, all of 28 whom have landed offers on Wall Street. This kid got the "true college experience" and has an internship at JP Morgan Investment Banking. Being the best at a non-target is a better deal than being mediocre at an ivy, and you might actually enjoy your college career.

http://video.cnbc.com/gallery/?video=3000024302

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Al Bundy's picture

Well the issue is I'm not the

Al Bundy
      ER
 
(Senior Orangutan, 491
 
Points)
 on 5/27/11 at 9:29pm

Well the issue is I'm not the absolute best even at my non-target. I don't know how to explain it, but I feel like somehow, I have never been an academic "star" relative to a lot of people but I'm still "smart". I hope I'm not sounding arrogant, but I feel like I have a lot of intellectual curiosity, come up with new ideas, and can converse with my superiors intelligently, but somehow, I've always lagged far behind academically compared to my friends in terms of raw accomplishments (i.e. GPA, academic awards, etc.). That's why I wonder, since I'm only above average at my school but still knowledgeable, if I can compete against people who are all of the above (very accomplished, very talented, motivated enough to do more reading outside of school, etc.).

Pretty women make us BUY beer. Ugly women make us DRINK beer.

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YourWorstEnemy's picture

I think you're overanalyzing

YourWorstEnemy
      HF
 
(Orangutan, 293
 
Points)
 on 5/27/11 at 9:38pm

I think you're overanalyzing the situation. And I think you're over estimating the intellectual capabilities of students from "target" schools. There are intellectuals at every school and there are also partiers. I believe you're confusing
real intellectuals with "psuedo intellectuals" these are the types you see perched under a tree or at starbucks debating their psuedo intellectual interests. Chances are if you're doing well at a state school you would do well at a target. State schools usually have harsher grading policies compared to privates. You just have to learn to associate
with persons that share the values as yourself, you may find them at your local starbucks or perched under a tree, maybe at the gay right rally. Who knows, obviously you have no real clue about human nature or how we operate as a species. Here's a tip get off the internet and read some got damn books

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TropicalFruit's picture

The undergrad admissions

TropicalFruit
     
 
(Baboon, 122
 
Points)
 on 5/27/11 at 9:42pm

The undergrad admissions process isn't about intelligence. Ok sure you need straight A's and a good SAT score, but that alone doesn't get you into HYP. What differentiates the state schoolers from the HYP admits are 1. you have some extraordinary extracurricular that differentiates you from every other 4.0/2250 student 2. legacy 3. under-represented minority 4. luck. High school is easy as shit, most 16 year olds just don't care enough to put in the effort. The only difference between a motivated top student at a state school and an ivy league kid is that the ivy league kid was more ambitious from an earlier age. That being said, grades don't equal intelligence (although obviously they correlate).

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trailmix8's picture

I think state kids would get

trailmix8
      AM
 
 
(Senior Gorilla, 930
 
Points)
 on 5/27/11 at 10:02pm

I think state kids would get better grades at Ivy's cause they wouldn't have the same opportunities to party that they do at state. Therefore, would be more concentrated on studies.

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ProspectiveMonkey's picture

As one of the above posters

ProspectiveMonkey
     
 
(Orangutan, 328
 
Points)
 on 5/27/11 at 10:51pm

As one of the above posters said a lot of state schools have harsher grading scales than Ivy league schools. Some major schools like UW, UM are known for their grade deflation, in that they make it so only 10% of students can get A's in b-school core courses.

Whereas Harvard pretty much allows the whole class to get B's to A-'s with a still pretty solid number (like 20%) getting solid A's.

So GPA is not a way of looking at it. Your GPA may be better if you went to an Ivy League school. But I do think there is a lot more opportunities for critical thinking at Ivy League schools who have presentations done by Nobel Laureates, etc...

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Babyj18777's picture

I'm willing to bet your

Babyj18777
      O
 
(Orangutan, 283
 
Points)
 on 5/27/11 at 11:57pm

I'm willing to bet your grades would be equal or better at an ivy league institution. First year economics is first year economics wherever you go for the most part; it's not like the ivies have a set of secret textbooks or access to a classified database where the real educational material is.

Like the above poster said, many state schools are known for grade deflation while the inverse is true for the more prestigious universities.

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Matthias's picture

Eh idk I understand grades

Matthias
      CO
 
(Orangutan, 298
 
Points)
 on 5/28/11 at 12:15am

Eh idk I understand grades are curved at most non-targets a bit harsher say to a B-/B but look at it this way. To get an A in a course you need to be in the top 10-25% of students. Now this is easier to do when the majority of students aren't of a similar intelligence level/work ethic. Now I would be willing to say that an ivy would have its entire population of students in that 10-25% range from the non-target. So, I would think it would be more difficult, especially in the classes that curve, because the people you are competing with are that much smarter and hard working.

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djr's picture

http://www.usnews.com/educati

djr
     
 
(Senior Baboon, 189
 
Points)
 on 5/28/11 at 12:18am

http://www.usnews.com/education/articles/2011/01/0...

Did a quick calculation by filtering out any school that's not Top 25 (I'm assuming those are the schools that aren't targets for the BBs, MBBs etc) and 191/500 went to 'Targets.' So 61.8% are from non. Is this a measure of intelligence? I dunno but it is a sign that there are quite a few smart people in non-targets who just didn't get the same launching pad as others.

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Will Hunting's picture

I can put in some direct

Will Hunting
      IB
 
(King Kong, 1,231
 
Points)
 on 5/28/11 at 1:07am

I can put in some direct examples into this:

A girl I know from my high school was decently smart in H.S (90 gpa) and went to a community college bc she did not have money to go away. She got a 3.94 first semester and a 4.0 second semester at her C.C while taking 18 credits per semester.

Then she transferred to an ivy after 1 year. Now, let it be known that she does not party, drink, or smoke. She actually hates those people. However, she is by no means a geek or intellectual...just a regular down to earth girl. Her GPA first semester at the IVY was 2.97 and 3.4 second semester.

Come up with your own opinion/answer but she did everything exactly the same at both schools but the work was significantly more challenging at the IVY and the tests were MUCH harder.

Also, alot of my friends say that their tests at less prestigous schools are not cumulative. I have not had a non-cumulative test at my particular target. You have to study much more for the latter and ggrades tend to be lower

"Look, you're my best friend, so don't take this the wrong way. In twenty years, if you're still livin' here, comin' over to my house to watch the Patriots games, still workin' construction, I'll fuckin' kill you. That's not a threat, that's a fact.

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mxc's picture

Target is harder than

mxc
      O
 
(Senior Gorilla, 811
 
Points)
 on 5/28/11 at 2:40am

Target is harder than non-target, at least that's my personal experience.

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rickyross's picture

This completely varies by

rickyross
      IB
 
(Gorilla, 542
 
Points)
 on 5/28/11 at 4:41am

This completely varies by student. Also the comment about CC above is not an apples to apples comparison. Community college is more analogous to high school course work in terms of rigor than it is a decent state school.

People tend to think life is a race with other people. They don't realize that every moment they spend sprinting towards the finish line is a moment they lose permanently, and a moment closer to their death.

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Peter_27's picture

TropicalFruit wrote: The

Peter_27
      ER
 
(Senior Baboon, 208
 
Points)
 on 5/28/11 at 11:18am
TropicalFruit:

The undergrad admissions process isn't about intelligence. Ok sure you need straight A's and a good SAT score, but that alone doesn't get you into HYP. What differentiates the state schoolers from the HYP admits are 1. you have some extraordinary extracurricular that differentiates you from every other 4.0/2250 student 2. legacy 3. under-represented minority 4. luck. High school is easy as shit, most 16 year olds just don't care enough to put in the effort. The only difference between a motivated top student at a state school and an ivy league kid is that the ivy league kid was more ambitious from an earlier age. That being said, grades don't equal intelligence (although obviously they correlate).

+1

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B-School Bound's picture

You would likely get nuked

B-School Bound
      O
 
(Senior Baboon, 203
 
Points)
 on 5/28/11 at 11:38am

You would likely get nuked down to a C+ B- your first term and then recover into a B+ A- range after a year. The nature of the top schools is that they are writing heavy. It has been my experience that most Ivy students are not more intelligent than the competition, but they do have better writing skills and tend to be more disciplined.

If you could get the writing aspect squared away, you would likely be able to assume the discipline pretty quickly. The hard work ethos of a top school tends to be contagious, as the focal point of social life is oddly the library.

Man do I miss undergrad . . .

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junior2012's picture

so much depends upon what

junior2012
     
 
(Senior Baboon, 197
 
Points)
 on 5/28/11 at 12:12pm

so much depends upon what major you choose

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rothyman's picture

I think it really comes down

rothyman
      HF
 
 
(King Kong, 1,163
 
Points)
 on 5/28/11 at 12:52pm
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ambition56's picture

A lot of target and top non

ambition56
      ST
 
(Gorilla, 601
 
Points)
 on 5/28/11 at 1:35pm
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ceej010's picture

Based on my experience at a

ceej010
      O
 
(Monkey, 60
 
Points)
 on 5/28/11 at 2:17pm
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ceej010's picture

One other thing to mention is

ceej010
      O
 
(Monkey, 60
 
Points)
 on 5/28/11 at 2:19pm
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Avgasian's picture

Attending a top25 university.

Avgasian
      O
 
(Monkey, 30
 
Points)
 on 5/28/11 at 3:27pm
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Matthias's picture

ambition56 wrote: I also want

Matthias
      CO
 
(Orangutan, 298
 
Points)
 on 5/28/11 at 4:23pm
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ambition56's picture

Matthias wrote: Idk how you

ambition56
      ST
 
(Gorilla, 601
 
Points)
 on 5/28/11 at 4:47pm
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JimYoungJr's picture

rothyman wrote: I think it

JimYoungJr
      IB
 
(Monkey, 51
 
Points)
 on 5/28/11 at 6:26pm

"You Want details? Fine. I drive a Ferrari, 355 Cabriolet, What's up? I have a ridiculous house in the South Fork. I have every toy you could possibly imagine. And best of all kids, I am liquid."

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Short Bus All-Star's picture

Accepted to low ivies. Full

Short Bus All-Star
     
 
(Monkey, 36
 
Points)
 on 5/28/11 at 7:38pm
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Matthias's picture

ambition56 wrote: Matthias

Matthias
      CO
 
(Orangutan, 298
 
Points)
 on 5/28/11 at 7:48pm
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jrt336's picture

I got a 4.0 my first year at

jrt336
     
 
(Orangutan, 337
 
Points)
 on 5/28/11 at 9:48pm
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Getgo's picture

harvard or bust

Getgo
     
 
(Orangutan, 290
 
Points)
 on 5/28/11 at 10:14pm
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Upload Avatar

I don't think there is much

gnicholas (not verified)
     
 
(Chimp, 0
 
Points)
 on 5/28/11 at 10:16pm
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MMBinNC's picture

I always have thought that

MMBinNC
      CD
 
(Neanderthal, 2,156
 
Points)
 on 5/28/11 at 10:20pm

Reality hits you hard, bro...

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MMBinNC's picture

Also, freshman year often

MMBinNC
      CD
 
(Neanderthal, 2,156
 
Points)
 on 5/28/11 at 10:22pm

Reality hits you hard, bro...

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CompBanker's picture

I think this is a bit of a

CompBanker
      PE
 
 
(Almost Human, 8,507
 
Points)
 on 5/28/11 at 11:56pm

CompBanker

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rickyross's picture

Compbanker, curious how does

rickyross
      IB
 
(Gorilla, 542
 
Points)
 on 5/29/11 at 4:43am

People tend to think life is a race with other people. They don't realize that every moment they spend sprinting towards the finish line is a moment they lose permanently, and a moment closer to their death.

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mxc's picture

It's funny how target grads

mxc
      O
 
(Senior Gorilla, 811
 
Points)
 on 5/29/11 at 6:41am
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Gloomberg's picture

CompBanker wrote: I think

Gloomberg
     
 
(Senior Monkey, 68
 
Points)
 on 5/29/11 at 10:46am
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CompBanker's picture

rickyross wrote: Compbanker,

CompBanker
      PE
 
 
(Almost Human, 8,507
 
Points)
 on 5/29/11 at 12:32pm

CompBanker

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kraken's picture

The skills required to

kraken
      HF
 
(Orangutan, 324
 
Points)
 on 5/29/11 at 1:44pm
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CiroCorp's picture

I would kick ass. just

CiroCorp
      IB
 
(Senior Baboon, 186
 
Points)
 on 5/29/11 at 2:31pm
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selfstudy's picture

It's kind of silly to contend

selfstudy
     
 
(Chimp, 10
 
Points)
 on 5/29/11 at 2:50pm
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UFOinsider's picture

You should be fine at an Ivy,

UFOinsider
      O
 
(Human, 10,347
 
Points)
 on 5/29/11 at 6:54pm

YOU JUST GOT TROLLED
http://www.troll.me/images/red-foreman322/dont-you...

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eriginal's picture

This is a strange argument. I

eriginal
      AM
 
(Senior Gorilla, 892
 
Points)
 on 5/29/11 at 9:03pm

"One man with courage makes a majority." — Andrew Jackson

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Nandrinlouis's picture

somewhat relevant to this

Nandrinlouis
      O
 
(Chimp, 2
 
Points)
 on 5/29/11 at 10:34pm
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Unforseen's picture

Aside from intense eng, sci

Unforseen
     
 
 
(King Kong, 1,099
 
Points)
 on 5/29/11 at 10:40pm

Check out my Blog

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APAE's picture

ambition56 wrote: Work hard

APAE
     
 
(Neanderthal, 3,660
 
Points)
 on 5/29/11 at 10:56pm

A lot of people do certain things to add days to their life. I do things to add life to my days.

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W845's picture

The biggest difference is at

W845
     
 
(Senior Chimp, 28
 
Points)
 on 5/30/11 at 12:32pm
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ambition56's picture

I don't think I would be able

ambition56
      ST
 
(Gorilla, 601
 
Points)
 on 5/30/11 at 12:58pm
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Getgo's picture

i demand to know who gave me

Getgo
     
 
(Orangutan, 290
 
Points)
 on 5/30/11 at 1:13pm
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MrJetSet's picture

selfstudy wrote: It's kind of

MrJetSet
      CO
 
(Orangutan, 252
 
Points)
 on 5/30/11 at 4:00pm
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entourage's picture

I went to a state school

entourage
      ER
 
(Chimp, 9
 
Points)
 on 5/31/11 at 8:28pm
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Gordon Gekko&#039;s Friend's picture

Ivy Schools hand out A's left

Gordon Gekko's ...
     
 
(Monkey, 43
 
Points)
 on 6/1/11 at 1:22am

http://themarketdaily.blogspot.com/

http://twitter.com/#!/TheMarketDaily

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Gordon Gekko&#039;s Friend's picture

In 1890 Harvard's average GPA

Gordon Gekko's ...
     
 
(Monkey, 43
 
Points)
 on 6/1/11 at 1:27am

http://themarketdaily.blogspot.com/

http://twitter.com/#!/TheMarketDaily

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  • Posting any incomplete, false or inaccurate biographical information or information which is not your own accurate resume
  • Using any device, software or routine to interfere or attempt to interfere with the proper working of this Web Site or any activity being conducted on this site.
  • Taking any action which imposes an unreasonable or disproportionately large load on this Web Site?s infrastructure.
  • If you have a password allowing access to a non-public area of this Web Site, disclosing to or sharing your password with any third parties or using your password for any unauthorized purpose.
  • Notwithstanding anything to the contrary contained herein, using or attempting to use any engine, software, tool, agent or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search this Web Site other than the search engine and search agents available from the Company on this Web Site and other than generally available third party web browsers (e.g., Netscape Navigator, Microsoft Explorer).
  • Attempting to decipher, decompile, disassemble or reverse engineer any of the software comprising or in any way making up a part of the Web Site.
  • Aggregating, copying or duplicating in any manner any of the materials or information available from the Web Site.
  • Framing of or linking to any of the materials or information available from the Web Site.

User Information.

When you register for the Web Site, you will be asked to provide the Company with certain information including, without limitation, a valid email address (your "Information"). In addition to the terms and conditions that may be set forth in any privacy policy on this Web Site, you understand and agree that the Company may disclose to third parties, on an anonymous basis, certain aggregate information contained in your registration application. The Company reserves the right to offer third party services and products to you based on the preferences that you identify in your registration and at any time thereafter; such offers may be made by the Company or by third parties. Please see the Company's Privacy Policy below for further details regarding your Information.

Registration and Password.

You are responsible for maintaining the confidentiality of your information and password. You shall be responsible for all uses of your registration, whether or not authorized by you. You agree to immediately notify the Company of any unauthorized use of your registration or password.

The Company's Liability.

As a condition to your use of this site, you release the Company (and our agents and employees) from claims, demands and damages (actual and consequential, direct and indirect) of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with such disputes. If you are a California resident, you waive California Civil Code d1542, which says: "A general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor."

We are under no legal obligation to, and generally do not, control the information provided by other users which is made available through the Web Site. By its very nature, other people?s information may be offensive, harmful or inaccurate, and in some cases will be mislabeled or deceptively labeled. We expect that you will use caution and common sense when using this Web Site.

The Material may contain inaccuracies or typographical errors. The Company makes no representations about the accuracy, reliability, completeness, or timeliness of the Web Site or the Material. The use of the Web Site and the Material is at your own risk. Changes are periodically made to the Web Site and may be made at any time.

You acknowledge and agree that you are solely responsible for the content and accuracy of any resume or material contained therein placed by you on the Web Site and you agree to let any users that are identified as recruiters (designated in the sole discretion of the Company) to have access to your resume.

The Company is not to be considered to be an employer with respect to your use of the Web Site and the Company shall not be responsible for any employment decisions, for whatever reason made, made by any entity posting jobs on the Web Site.

THE COMPANY DOES NOT WARRANT THAT THE WEB SITE WILL OPERATE ERROR-FREE OR THAT THE WEB SITE AND ITS SERVER ARE FREE OF COMPUTER VIRUSES OR OTHER HARMFUL MECHANISMS. IF YOUR USE OF THE WEB SITE OR THE MATERIAL RESULTS IN THE NEED FOR SERVICING OR REPLACING EQUIPMENT OR DATA, THE COMPANY IS NOT RESPONSIBLE FOR THOSE COSTS.

THE WEB SITE AND MATERIAL ARE PROVIDED ON AN "AS IS" BASIS WITHOUT ANY WARRANTIES OF ANY KIND. THE COMPANY, TO THE FULLEST EXTENT PERMITTED BY LAW, DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED, INCLUDING THE WARRANTY OF MERCHANTABILITY, FITNESS FOR PARTICULAR PURPOSE AND NON-INFRINGEMENT. THE COMPANY MAKES NO WARRANTIES ABOUT THE ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF THE MATERIAL, SERVICES, SOFTWARE, TEXT, GRAPHICS, AND LINKS.

Disclaimer of Consequential Damages.

IN NO EVENT SHALL THE COMPANY, ITS SUPPLIERS, OR ANY THIRD PARTIES MENTIONED ON THE WEB SITE BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, INCIDENTAL AND CONSEQUENTIAL DAMAGES, LOST PROFITS, OR DAMAGES RESULTING FROM LOST DATA OR BUSINESS INTERRUPTION) RESULTING FROM THE USE OR INABILITY TO USE THE WEB SITE AND THE MATERIAL, WHETHER BASED ON WARRANTY, CONTRACT, TORT, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT THE COMPANY IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Links to Other Sites.

The Web Site may contain links to third party web sites. These links are provided solely as a convenience to you and not as an endorsement by the Company of the contents on such third-party Web sites. The Company is not responsible for the content of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party Web sites. If you decide to access linked third party Web sites, you do so at your own risk.

No Resale or Unauthorized Commercial Use.

You agree not to resell or assign your rights or obligations under these Term of Use. You also agree not to make any unauthorized commercial use of the Web Site.

Limitation of Liability.

The aggregate liability for the Company to you for all claims arising from the use of the Materials is limited to $1.

Termination.

The Company reserves the right, at its sole discretion, to pursue all of its legal remedies, including but not limited to immediate termination of your registration with or ability to access the Web Site and/or any other service provided to you by the Company, upon any breach by you of these Terms and Conditions or if the Company is unable to verify or authenticate any information you submit to the Web Site registration with or ability to access the Web Site.

Indemnity.

You agree to defend, indemnify, and hold harmless the Company, its officers, directors, employees and agents, from and against any claims, actions or demands, including without limitation reasonable legal and accounting fees, alleging or resulting from your use of the Material or your breach of the terms of these Terms and Conditions. The Company shall provide notice to you promptly of any such claim, suit, or proceeding and shall assist you, at your expense, in defending any such claim, suit or proceeding.

General.

The Company makes no claims that the Materials may be lawfully viewed or downloaded outside of the United States. Access to the Materials may not be legal by certain persons or in certain countries. If you access the Web Site from outside of the United States, you do so at your own risk and are responsible for compliance with the laws of your jurisdiction. These Terms and conditions are governed by the internal substantive laws of the State of New York, without respect to its conflict of laws principles. Jurisdiction for any claims arising under this agreement shall lie exclusively with the state or federal courts within New York, New York. If any provision of these Terms and Conditions are found to be invalid by any court having competent jurisdiction, the invalidity of such provision shall not affect the validity of the remaining provisions of these Terms and Conditions, which shall remain in full force and effect. No waiver of any term of these Terms and Conditions shall be deemed a further or continuing waiver of such term or any other term. Except as expressly provided in additional terms of use for areas of the Web Site a particular "Legal Notice," or Software License or Material on particular Web pages, these Terms and Conditions constitute the entire agreement between you and the Company with respect to the use of Web Site. No changes to these Terms and Conditions shall be made except by a revised posting on this page.

PRIVACY POLICY

The Company recognizes that you are concerned about privacy. We are committed to preserving your privacy and safeguarding your sensitive information. The following statement describes the general information-gathering and usage practices of our sites.

Our staff, contractors, Internet service providers and others involved in this site follow this policy or similarly strict policies regarding your Information.

Disclosure

The Company is committed to fully disclosing our policies regarding the collection, use, maintenance, disclosure and security of personal information obtained from users of our site. The term "personal information" includes a name, address, email address, or any other information which could be used to contact you directly or to identify you personally.

Use and Disclosure Limitations

The Company only uses personal information about its Web site users for specific purposes. We do not share user information with third parties except when we have told users about the disclosures, when we have prior consent, or when required by law.

Use Policy: When the Company gathers personal information from users, we ask for permission first. We also disclose, at the time of collection, how the information will be used by us. Personal information is used for activities such as auto-completion of commonly-used forms and helping us contact you when you solicit information from us.

Disclosure Policy: We do not normally disclose personal information to anyone outside of the Company unless we have previously informed users about the disclosures. However, some data may be used from time to time by outside contractors, including auditors or consultants, to assist us in carrying out necessary financial or operational activities. These uses will be consistent with this privacy policy and all contractors using this potential personal information must agree to safeguard it, to use it only for the authorized purpose, and to return it or destroy it upon completion of the activity.

The Company might be required to disclose personal information in response to a valid legal process such as a subpoena, search warrant or court order.

Although unlikely, it is possible that we may have to make certain disclosures to ensure the security of our Web site, to protect its integrity, or to take precautions against potential liability. In any of these situations, we will take any reasonable steps to limit the scope of the data disclosed.

Web Logs: The Company maintains standard Web logs that record basic information about visitors to our Web site. These logs contain: * The Internet domain from which you came to our Web site. * Your IP address. An IP address is a series of numbers which uniquely identifies your connection to the Internet. Although it is possible in some instances, certain types of IP addresses may be used by interested persons to identify users but we do not attempt to identify users in this way. * The type of browser (e.g., Internet Explorer or Netscape) and operating system (e.g., Windows 98) you use. * The date and time you visited the site, and the pages you saw.

We use Web log information to design our Web site, identify popular features, and in similar ways. We do not try to identify individuals from Web logs or to link Web logs to other user information. However, if someone tries to damage our Web site or use it in an unauthorized or illegal way, we may share Web log information with law enforcement agencies. The Company may provide aggregate information such as the number of users who visit particular pages of the site, or the number of people who link to certain external sites from our site, to other parties.

Changes to Privacy Policy

The Company's features and services will change over time and our information-gathering practices and policies may also change.

While our philosophy of protecting user information from inappropriate uses and disclosures will not change, this policy will be updated occasionally to include any change that materially affects the collection, maintenance, use, or disclosure of personal information.

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This is the reaction any analyst who has ever worked in banking has when you say you want to leave banking for business school then come back as a post b school associate... <img src="http://epicpinterestfail.com/wp-content/uploads/2012/11/how-i-met-your-mother-barney-why.gif"...
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