Sorry to be old and reactionary : ) but the young folk that make theses arguments, or are even aware of these arguments are something of outliers. Have this young lady go back to her highschool and find 100 folks that are capable of running a company. 50? 5? Maybe one or two, or maybe a couple in that entire metropolitan area are ready for significant investment.

Nothing wrong with outliers, my grandfather started a groundbreaking business before he was 21 and worked for his own investment funds from his early teens. An he was an outlier. An amazing guy, built his first warehouse with castoff boards, he certainly was not getting a bank loan.

Miss Debenham's issues will be moot and she will be fine will do fine far far in the future, 2012 or so.