I used to think you were unduly pessimistic, now I am thinking you are unduly optimistic. I will be very happy if there is a thing like "cash and good credit" and I have any of it. If there isn't, I am going to club you on the head with a cow's leg bone and make you my valet. How are you at tanning hides and drying seaweed?
I'm currently taking the online course as a fall back position.