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n0 > Nor do you have any idea which programs are popular among kollel members

Sure. I used to be very poor, but somehow avoided using most of it. I am not accusing anyone of anything. I just said what my principles are. If there is a moral way to get gov money, gezunte heig. For example, Andrew Young’s stipend for everyone would be a great thing for learning. If the economy will survive that, it will be great. In a big picture, current human productivity in developed countries far exceeds what humans need to survive. So, choosing learning obviously a better choice than many others chosen…