@DadTwoGirls - it is commonly known by Econ majors but you are correct , I doubt it is widely known. There were many colleges not doing well 12 months ago and this pandemic will cause some to speed up their closing shop. Maybe without this they could have limped along a few more years maybe until 2026 IIRC is when the collage age kids take a pretty big drop. The fact is the US has far to many colleges and some are not gonna make it, I think the surprising thing will be there will be some on that list that will surprise people.