In the same way that students don ' t pay for degrees , they pay to be taught , it is expected students will improve and part of teaching involves managing that improvement and giving feedback . You don ' t pay for exam results , but you do pay so that you can sit an exam and so that you can have a professional look at your performance and help you improve , tell you what you need to do in order to improve your grade . Belts are part of the learning process in BJJ and reaching the next belt is part of a process of learning and that process of learning is entirely what you pay for . <| sep |> Damn i shouldn ' t but this has me busting up . <| sep |> Yes the regulations are a lot tougher today many OTC derivatives have become more standardized and are cleared by an exchange . The most risky ones have way lower volumes and popularity than before the crisis . One of the guys from the real Big Short was on Bloomberg TV recently and he said he has never been less worried about a collapse in the financial industry , I ' d agree with that , we ' re a lot safer now than ever before .