Pretty sure it was the chat of Eric Hansen who insinuated it first.

The specific wording of the note is a direct reference to Kafka’s metamorphosis! So depending on the class and year, teacher should be proud.

2 arms and 2 legs is the median, so 4. I doubt the average will be less than 2.

Dont think less than 2 on average is theoretically possible if the median is 4!

The lack of triple A status seems to indicate the debt is most definitely not risk-free.