http://www.sciencemag.org/content/341/6149/976
http://serendip.brynmawr.edu/exchange/node/3880
http://www.cepr.eu/meets/wkcn/7/770/papers/Banerjee.pdf
Have a good look at yourself in the mirror.
I don't need to. I look around me and continuously see people making poor life decisions and blaming it on the "system". The truth hurts.
http://www.sciencemag.org/content/341/6149/976
http://serendip.brynmawr.edu/exchange/node/3880
http://www.cepr.eu/meets/wkcn/7/770/papers/Banerjee.pdf
Have a good look at yourself in the mirror.