hi muting, I've been accepted by Baruch and Michigan. I like Baruch very much at this moment, but more information will be welcome. I have six-year working experience in risk management in enterprises(not in financial industry) after I obtained MS degree. Do you think placement service in Baruch is good or not? I care about the placement service since I am 32 years old and have no direct working experience in financial industry. I am afraid this will be a disadvantage in job hunting. Thank you in advance!