 Crude oil currently 47 cents lower, 81.15 a barrel. On Wall Street, the Dow Jones Industrial is down 332 to 39078. The NASDAQ is up 185 to 17682. The S&P up 10 at 5458. Dad, what are you doing? Cramming for college. I'm the one going to college. Yeah, but we need to figure out how we're going to pay for it all. Discover student loans.