<p>From someone who’s been there with D1, ‘skin in the game’ doesn’t mean a whole heckuva lot when they’re 18 and you tell them the Staffords of a few thou per year are in their name. But, my jaded, cynical friends, when they hit 22 or 23 & they have to start making payments, direct deposit-like out of their paycheck, all of a sudden it hits home. Amazing!</p>