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Sadly, it’s much easier to steal music these days than it is to buy music. The four music labels put all kinds of restrictions on the music that you buy, so people just don’t do it. Finally, one of the labels - EMI - has broken ranks with the rest of industry and eliminated “digital rights management.” That means you’ll have a choice of paying either 99 cents a song or $1.29 cents a song. If you pay 99 cents, you can only use the song once and all of the other current restrictions apply. But if you buy the $1.29 version, you can use it however you’d like. The rest of the industry should pay attention to EMI. The sale of CDs dropped 20 percent this year and there are nearly no music stores left. The industry is changing and the labels need to get with it.

For several weeks, Clark has been talking about the shameful college loan programs that have been duping students into high-interest loans. Well, now that one of the largest banks in the country has been named in the scandals, the story has made national news. Citibank is the latest shoe to fall in this ongoing travesty, and a number of schools in the Northeast must now pay back students who were overcharged on loans. The University of Pennsylvania, NYU, Syracuse, St. John’s and Fordham are just a few. You would think that the financial aid office at a college would be the safe zone. But it’s just the opposite. Colleges have been cheating you - and your son or daughter - so administrators could earn kickbacks from the banks. Clark thinks people should go to jail over conduct like this. Instead, the banks get a slap on the wrist and never have to admit to any wrongdoing. And, the layers just keep shedding. In addition, people with no kids in college and no student loans are still paying huge subsidies to banks to pay for those loans. It’s out of control and it calls our current tax system into question once again. Now would be a great time to revamp the tax code so the system is fair to taxpayers and does not allow for the lining of legislators’ pockets.