Payments may seem simple and unimportant – they just involve exchanging money for goods or services, right? Even young kids can go to the store and buy candy for pennies, or (these days) make bids o

Ahhh, it’s that time of year again. Diplomas are being rolled, commencement speeches are being written, caps with tassels are being tossed, and the sound of Pomp and Circumstance is filling the air