WESTWOOD—Ignoring his misgivings about the possible lack of necessary funds on his debit card, third-year Economics major Andrew Clay, decided to roll the dice with his debit card at the front of the Panda Express line. “My card has only ever been declined like three times before, so, I think I’ll take my chances,” said Clay as he fumbled with his wallet. “I know I blew a lot this month on all the parties I threw, but I only bought the cheapest liquor so I should be good. Plus, I actually passed my stats class last quarter so I’d say the probability of me having enough left is pretty high,” said Clay. At press time, Clay was heard arguing with his friend about spotting him some cash for the second time this month.