[...] Chip had reason to be sensitive. Since D—— College had fired him, the market capitalization of publicly traded U. S. companies had increased by thirty-five percent. In these same twenty-two months, Chip had liquidated a retirement fund, sold a good car, worked half-time at an eightieth-percentile wage, and still ended up on the brink of Chapter 11. These were years in America when it was nearly impossible not to make money, years when receptionists wrote MasterCard checks to their brokers at 13.9% APR and still cleared a profit, years of Buy, years of Call, and Chip had missed the boat. In his bones he knew that if he ever did sell "The Academy Purple," the markets would all have peaked the week before and any money he invested he would lose.