Why Third Year is the Best Year (so far).

The semester is coming to a close and I can firmly say that third year is my favorite year at UBC so far. First year was that exciting new start, that slowly turned into “what did I get myself into?” Personally, university was more lonely than I thought it would be, all those isolated study hours in the dungeon… Second year started off as a “ok, lets not make the same mistakes this year” kind of year.  By the end of second year, my thoughts were more along the lines of “I really hope this ride gets better.”  It does.  It did.

This is why I think third year is a good year:

1. Declared major.  Meaning more classes that truly explore the stuff you like, less of those where you can’t remember why you’re taking it… oh yeah because you had to. (Actually, some of those turned out to be very useful.)

2.  No more surprises.  One year to settle down, one year to get used to it.  Third year is where you know what to expect and have hopefully set up a good system for yourself.  The course loads are heavier, but from what I’ve seen the people grew more than the course load.

3. Eligibility for exchange and co-op.  It’s a change in the routine that is still productive.  Exchange is probably why I look so favorably on this year of my life.  I didn’t choose to take co-op but I know for some, it’s what they were looking forward to when they came into university and third year is where it finally happens.

4. You’re not the smartest kid anymore… and it’s fine.  I’m sure you’ve heard it before: “you might have been the smartest kid in your high school, but when you get into university you certainly don’t feel that way.”  In some case you might still be that smart kid.  If you’re not, you might have had a lot self-questioning moments.  In third year, it kind of passes.  You’ll have more opportunities to shine in ways you couldn’t before.  Ways that work with your strengths.  You could be failing something, but you’re not stupid.

 

There are some reasons why third year is not so awesome though:

1. You’re old.  Face it, you’re old.  You are now in the older half of the undergrads.  For those who entered UBC at 18 or 19, you are now 20 or 21.  And that is a scary thought sometimes.  On the plus side, you can now have a good time in Vegas.

2. “This time next year… I might be unemployed…” or still hanging on to that part time job.  At the end of an awesome third year, this thought may drift into your head like a rain cloud or come raging through like a hailstorm in April, Vancouver style.  A good number of us hope that our university degrees will land us something nice when we graduate.  That “final exam” is coming into sight.  Or for those who are unsure, “should I graduate in 4 years or 5? …Maybe I could do graduate school”

 

To those of you who are in third year and are planning on graduating next year: This could be the LAST summer vacation of your LIFE!  What are you doing with it?

 

SCI Team last supper at Choon Ha Choo Dong

The Apostles

Last Wednesday we had a dine out at 춘하추동 for our final team get-together. Some will stay, some are graduating and moving on to higher places. We also had some of the newcomers to join in on the fun! It was a great time and surprisingly there were no awkward silences (I always notice one during dinner). Everyone wanted Korean bbq, and I was originally planning to go to Pork Belly Beer House for AYCE Korean BBQ (삼겹살) but I forgot one person’s a veggie! So we came here.

My mom and I were frequent customers back in mid 2000s, where the restaurant was run by a friend of her’s. It was a nice Korean family owned restaurant and it was strictly Korean food only. I’ve heard now that there’s a new Chinese manager who made it also a Japanese restaurant… hmmm… So I wanted to try it and brought everyone here.

Unfortunately it didn’t really match up to par the way I experienced it before. We had the BBQ but the marinade was bland, the black bean noodle (짜장면) had what we think was raw oyster or something and didn’t set right in our stomachs. Seafood pancake (해물파전) was okay actually, but definitely not worth what we paid. The only thing we enjoyed were the Korean Sweet and Sour Pork (탕수육) and deep friend spicy chicken (깡풍기). I miss the old restaurant though :(

Anyways I’m gonna add a food category now because I really go out too often to eat and often blog about them anyways. I admire 604Foodtography, Foodology, Sherman’s Food Adventures, Follow Me Foodie, and of course, UBC’s very own Poor Starving Students (Though I haven’t heard from them for a while now… Have they finally starved to death? Haha jokes). I’m also going to try to rank my restaurants because I feel like I need to systematically organize them somehow. It’s the science part of me beckoning to do this.

Food: 4/7 – I really couldn’t help but feel disappointed after knowing that this restaurant was once really good and served authentic home-styled Korean food.
Ambience 5/7  - It’s a nice and quaint, but nothing more.
Service – 3/7 – They really often forget when we ask for side dishes and water. And I swear, when I asked for water to a waiter, the guy just gave me a cold, deathly stare. He later got it, but his expression is still fried into my memory. Brrrr

I rate it out of 7 because it’s the IB scale (LOL good memories) and it’s the only numerical scale I can think of that will make sense to me. 3 and below is considered a fail (though nobody gets a 1, 2s are rare), 4 is average (73-85%), 5 is pretty good (86-89%), 6 is excellent (90-96%), and a 7 is god-like, like seriously only top 3% of the class (97%+).

Next time I go out I promise to take pictures of the food! I completely forgot to in this one, but I will next time, which is gonna be Phnom Penh :D

Oh, and for dessert we went to Mario’s Gelati near Science World and we all chipped in to buy some tubs. Much much more cheaper that way:)

Cookies n' Cappuccino

A case study of abrupt changes to grading policies: LFS 252

Grading policies are serious business. Often times, they are the causes of students to take/drop courses, not the course material/interest itself. And who could blame them? Grades are so important to one’s future and he/she will stop at nothing to achieve the best possible GPA, or risk sacrificing their careers. I don’t want to sound morbid, but I’m sure many of you are familiar with the perception of the whole med-school-or-bust routine.

So recently, there was a change in the grading policy of LFS 252: Land, Food, and Community: Quantitative Data Analysis. Imagine right now… that you’re in BIOL 112 again… You worked hard on all those invention questions, assignments, online stuff (Peerwise), weekly quizzes on huge reading chapters, midterms, and attended EVERY SINGLE class for iClicker. 3 weeks before the final, the prof tells everybody that this course is now pass/fail. And the final will be written someone who has not taught you and you are suspicious that this individual does not really know much about the course.

Some will think, “Oh okay, whatever. I wasn’t really trying and I’m getting 50-60% anyways so it doesn’t really affect me”. Others who have worked really hard, however, may think, “WTF. I stayed up on so many nights just to finish those annoying assignments! I asked the prof so many questions and really made an effort to understand everything. Now you’re telling me that it doesn’t matter as long as I get the bare minimum?! I could’ve studied much more on other courses that matter!”.

The reaction is expected; this change happened so abruptly. And such a serious one as well. Many students who are taking this course are trying to get into Dietetics, the most competitive specialization in LFS (Science equivalent=Pharmacology, Arts equivalent=International Relations, Engineering equivalent=Engineering Physics/Civil). To see all that effort go down to waste… So far, the reactions are: many discussions on Vista, a letter to the Dean, and a facebook group (https://www.facebook.com/events/146213512173336/). I wonder why the Faculty of LFS suddenly changed the course assessment like this. It’s unheard of. At least in my lifetime here.

When you finish a term paper/lab report that took the entire night…

do you read it over once more?

NOPE.

I really should, but then why would I want to read something that I kept on reading over for the last 12 hours? I want to get it over with. But it’s probably good that I edit it at least once to look for any errors… But I don’t want to. But I should because I don’t want to lose any marks from grammar mistakes. But I want to sleep. But I can’t if I feel guilty. But. But. But.

COMPROMISE: Get a friend to edit it for me.

Good night ladies and gentlemen.

Beware… the dreaded beast MCAT is evolving in 2015

It’s been the talk of all the premeds.. the MCAT is changing in the first test of January 2015. While some of us have been saying this change is long overdue, some of the others are a little hesitant about embracing this. If you look here at the AAMC’s list of changes (https://www.aamc.org/students/download/266006/data/2015previewguide.pdf) you may notice that the major differences are that the Writing Sample is no longer a tested section, but there is the introduction to Psychology, which is called the Psychological, Social, and Biological Foundations of Behaviour.

Psychology. Aw man. It’s interesting sure, but it’s certainly painful. Lots of material, names, theories, and tricks. I can imagine now that there will be an increased enrollment in first year PSYC courses in the class of 2019. I personally prefer the Writing Sample over psych because writing was always fine for me (got lots of practice in this blog LOL!). I was thinking about taking a PSYC course, but I’m a little weary for elective space. I think some people will really enjoy it as opposed to the hard sciences though. There are people who decide not to do those majors that you learn about in high school and do something new in university. But now there will be three big sections to study for…

Everything else is the same. Just packaged and named differently, but essentially the same. Verbal Reasoning just sounds scarier now that it’s called Critical Analysis and Reasoning skills. Oh I suppose there’s one more change: the new Verbal will be 90 minutes long with 60 questions, as opposed to the old 60 minutes with 40 questions.

I think the Canadian med schools will accept both test version scores, or some will start to opt out and decide the MCAT is no longer necessary for med school. Ottawa, Northern Ontario, McGill, Laval, and Sherbrooke are the Canadian med schools that currently do not list the MCAT as a requirement. They all believed that the MCAT will put a disadvantage to applicants who are not coming from a science background, and they are willing to accept anyone. It’s kind of similar to some other schools such as UBC and Toronto, where they only look if you managed to reach a cut-off, and that will be it (or so they say).

Hopefully I’ll be accepted to some med school by 2015. Not looking forward to writing and studying for this if I don’t :(

And that’s a wrap

What an evening to end SCI Team’s last event! We had a big turnout for the event, some of whom who weren’t even registered, mentors were fantastic and diverse, and great response overall! If you missed out this year, definitely look for this event again next year!

 

It took her 3 hours to do this

I think I missed Persian new year, but wow I was amazed when I saw this on my friend’s arm in keeping with tradition. Happy new year! Oh I also missed Korean-week in the SUB… damn. Lovin’ the culture at UBC though!

Kiss Your Borrowed Prosperity Goodbye

What’s up, all? Since I haven’t been here, I’ve been a little of over there and a little of over there. Mostly dipping deep into social activism via the Occupy movement but also really giving myself a good education in the things that I never knew enough about and I knew I wouldn’t get the truth about in school. One of these things was finance, economics, banking–the kind of stuff that Gateman glosses over. My most recent exposure has been on this Canadian housing bubble we are all living in–the one that ‘will never recede’. Well, I just finished a paper a few days ago on this exact topic, because I felt like the PEOPLE needed to know the truth. And what would you believe, today there is an article in the Globe and Mail about how. ‘Skyrocketing house prices bound to come down, BMO head says’. Lol, you don’t say! Here is the paper I wrote with two friends in Econ 211, read it and you will know just why this Canadian housing bubble DOES have to come down and why the circumstances surrounding it make the story a lot more tenuous than just a ‘market correction’. Enjoy!

Kiss Your Borrowed Prosperity Goodbye by Anthony Mayfield, Nick Wogan and Mustafa Akhtar

Colleen Wallace, a 70 year-old resident of Chelsea, finds her savings flagging in the wake of lower than ever interest rates. It’s a savers dilemma. Canadians find themselves in a turmoil characterized by stagnant income, weak return on investments and increasing food and especially housing prices. Inflation at 2.3% in relation to interest rate at around 1% not only discourages savings but also renders a loss in net value. Life-long investments made to pay off mortgages are now rendered redundant as economists warn the housing boom has come to an end (Silcoff and Mckenna).

The Canadian housing market since 2001 has seen an increase in prices that has far outpaced inflation and economic growth in the country. This increasing of prices in relation to personal income has played a part in the creation of what some would consider a bubble in the Canadian housing market. The Economist magazine has used two functions to try and calculate the overvaluation, if any, of the housing prices in Canada and has found that the average of the two calculations gives an overvaluation of 25% . (The Economist, Part 2) Indeed, it has been estimated that a bursting of the bubble across Canada in a similar fashion to the Toronto Crash of 1989 would result in reduction of home prices by up to 40% in the worst scenario (MacDonald 4).

It would appear that the Canadian housing market is overvalued, with Bank of Canada Governor Mark Carney admitting that some housing is ‘probably overvalued’(Hodgson). The Canadian housing market, it can be argued, is due for a correction to the true market value. The most pressing question is how will this be achieved and how can a bursting of the bubble, characterized by a sudden, sharp decrease in prices similar to seen in Toronto in 1989 be avoided. In this paper we will argue that through slowly and steadily raising overnight rate of the Bank of Canada, a responsible deflation of the housing bubble can be achieved and the overvaluation of housing in Canada can be corrected. We will also argue that there is an increasing precedent to do this correctly and safely, as the household debts accumulated on the Canadian population has “left Canadians vulnerable to economic shocks” (Praet 1) and vulnerable to debt spirals triggered by a crash in the equity held in the home (CGA 35).

Housing bubbles emerge when housing prices increase more rapidly than inflation, household incomes and economic growth (MacDonald 3). Low mortgage rates, access to easy credit, net immigration and the stock of available housing contribute to the growth of a housing bubble (MacDonald 4). Factors such as low mortgage rates and access to easy credit help draw buyers into a market they might otherwise not be able to compete in. This increases demand and pushes the price of the housing to higher levels (MacDonald 4).

Currently, all-time record low mortgage rates are being offered by the Big Five Canadian banks of 2.9% which is based large part on the record low overnight rate set by the Bank of Canada at 1%. While this may give an artificial impression of housing affordability during which the rates remain at record low rates, this presumption of affordability could change rapidly and intensely if mortgage rates rise to historical averages, which are usually nearer to 4% (MacDonald 4). Mortgage rates play a large factor in whether or not potential buyers will purchase a house. If the interest rates are too high buyers will be pushed out of the market due to the burden of anticipated mortgage payment costs (MacDonald 4). Larger down payments and mortgage insurances also have the effect of discouraging borrowers from taking out a mortgage (MacDonald 4).

Asset price booms and their subsequent bubbles are discouraged by economist and central bankers. This is done because as evidenced by the recent housing crash of the US in 2008, a sudden crash in prices can have very grave implications for employment and the real economy when the bubble is burst (Meltzer 2003). Asset price bubbles also contribute to an artificially held belief by investors that they will always receive real returns on their investment, in this case with investment in housing (Selody and Wilkins 7). This can lead to speculative purchases of housing and an over-investment in the housing market. This was referred to in 1996 by Alan Greenspan, in reference to the asset bubble seen in the late 90s in the United States as “irrational exuberance” (qtd. in Selody and Wilkins 5).

This irrational exuberance can also stem from positive developments in the real economy that leads to “the underestimation of risk and over-extension of credit”, which is the cause of “over-investment in physical capital” (Meltzer 2003). This same phenomenon applies to real estate market as explained by Collyns and Senhadji (qtd. in Selody and Wilkins 5). This also directly affects inflation as housing prices are factored into the consumer price index from which inflation is calculated (Selody and Wilkins 5).

Canadians have been increasingly taking on debt to pay for increasing prices of living as real wages have stagnated since the 1980s (Yalnizyan 6), and has thus “force[d] households to substitute consumption from income with consumption from credit” (CGA 34). This particular type of credit, known as “revolving credit” has been called “alarming” by the CGA as it allows minimum payments without repaying principal, which could “effectively evolve into a debt spiral” (CGA 35). In fact, The Organisation for Economic Co-operation and Development (OECD) has found that Canada has the highest consumer debt to financial asset ratio among 10 OECD countries, including the US (McDonald 3). Currently Canadians owe $1.5 trillion in mortgage debt across Canada, which equals an average of $176,461 owed for every 2 child family (CTV). It can be argued that growing population and positive inflation create natural preconditions for debt. However, even when accounted for the aforementioned instruments, household debt still shows an upward trend (CGA 30). Subsequently, British Columbians on average carry an additional $35,588 in non-mortgage debt. These debts has been referred to by Governor Mark Carney as recently as March 9th, 2012 as the “the biggest domestic threat to the economy” (Isfeld). Indeed, what this all-time record levels of household debt means, is that the Canadian consumer is very vulnerable to a sudden lowering of house prices as indicative of a housing crash.
Another area of concern is consumer credit, which makes critical part of household debt. Increasing household debt is an alarming trend, with Canadians now reaching a level of 155% debt to income ratio. The increased indebtedness means that “the household sector is more exposed to interest rate risk, particularly where variable rate mortgages are prevalent, and to shocks to household income and house prices” (Debelle 21). Debelle goes on to argue that the biggest of these shocks is unemployment. This could lead to default, distressed selling and thus a downward spiral in housing prices. High indebtedness could also compromise labour mobility, worsening unemployment (21). It is especially concerning because unlike mortgage, consumer debt is not backed by appreciable assets.

One explanation to why bubbles persist is the presence of rational arbitrageurs who try to “ride the bubble as long as they can” (Selody and Wilkins 5). Asset bubbles have been argued by central bankers to be a product of a combination of extraneous and incalculable elements of consumer behaviour. This line of argument argues that because the cause is exogenous, monetary policy will be rendered impotent. This reasoning explains Bernanke and Greenspan’s argument that “instruments of monetary policy are too blunt to be used” (Selody and Wilkins 5).Contrary to this, however, empirical data shows a strong correlation between excessive credit growth and asset-price bubbles (Selody and Wilkins 6).

Vancouver has had two housing bubbles, meaning large overvaluations of property, in the past. One of which was in 1981 which faced rapid devaluations and a second in 1994 which gradually declined (MacDonald 4). However, most Canadian housing markets have been historically stable from 1980 to 2001 (McDonald 4).This is because traditionally Canada has had consistent and effective impediments to taking on mortgages. This ultimately ended in 2001, when a loosening of mortgage restrictions finally culminated in a zero-down, forty year mortgages being issued by the end of 2006 (MacDonald 6). In 1994, Vancouver’s bubble had a slow housing deflation that could more accurately be called a market correction. This is largely favoured over a scenario such as the Toronto housing bubble which had a deeper and longer crash in 1989, or an even worse scenario such as the sudden and steep decline in prices seen in the US in 2008. In Vancouver during the 1994 deflation, housing prices decreased by 16% over a four year period. (MacDonald 18) . This is juxtaposed with the 1989 crash of the Toronto housing market, which saw condominium prices drop 39% and all other housing lose 27% of their value in a shorter period of time (MacDonald 16).

Using the trends of these two housing bubbles, the Vancouver bubble of 1994 and the Toronto bubble of 1989, the Canadian Centre for Policy Alternatives has calculated what the housing bubbles in several major Canadian cities could look like in the two aforementioned scenarios. The worst hit city in both scenarios is Edmonton, but the forecasts harbor major differences. In a scenario with a housing correction through deflation, rather than a true ‘bursting’ of the bubble, housing prices in Edmonton would drop a calculated 29%, from $333,000 to $235,000 over a three and a half year period (Macdonald 8). Vancouver’s housing prices would decline from $658,000 to $524,000 in the same period, a drop of 20% (MacDonald 9). In this same scenario, using the trends from the Toronto crash of 1989, Edmonton would suffer the worst again, this time a 40% decrease in housing value from $330,000 to $203,000 over a period of five years (MacDonald 9). Vancouver’s prices would drop a calculated 31%, from $658,000 to $454,000. (MacDonald 9).

For Canadians taxpayers, there are large stakes in seeing that the housing bubble is dealt with in a way that does not precipitate an event in which the Canadian Mortgage and Housing Corporation (CMHC) has to pay for the insurance of a large number of failed mortgages. We have already seen a $75 billion dollar purchase of mortgages from major Canadian banks by the CMHC in 2007 (http://www.fin.gc.ca/n08/08-090-eng.asp), which ultimately is paid for by the Canadian taxpayer. Professionals estimate 375,000 mortgages holders in Canada are already challenged by their current payments and may not be able to handle higher rates (MacDonald 3). This is of particular concern, as a high proportion of Canadian mortgages are insured by the government through the CMHC (MacDonald 6).

In conclusion, the housing market in Canada and its larger macroeconomic implications is a critical topic to say at the least. As can be drawn from the argument above, a housing crash remains a likely possibility, especially if prudent steps and measures are not taken to discourage such an event. Such a situation would have dire consequences not only for households in terms of foreclosures and the extreme likelihood of having to pay into the CMHC for failed mortgages, but also for the economy as a whole. A raising of interest rates that occur too quickly could have catastrophic events by pushing many households into a debt spiral which will ultimately end in foreclosure. However, not acting and allowing interest rates to remain at historic lows will only accentuate the problem and make the inevitable correction more painful in the long run. Another major concern is the adverse blow to consumer and investor confidence that will implacably result in undesirable long term macroeconomic implications. For the details raised throughout this paper, it is imperative for The Bank of Canada to take corrective measures in time before the situation exacerbates and evolves into a vicious trap.

Works Cited:

CGA. “Where Has the Money Gone: The State of Canadian Household Debt in a Stumbling Economy.” Certified General Accountants Association of Canada. Web. 15 Mar. 2012. .

CTV. “Household Debt Reaches Record $1.5 Trillion.” CTV News. Www.ctv.ca, 14 June 2011. Web. 14 Mar. 2012. .

Debelle, Guy. “Macroeconomic Implications of Rising Household Debt.” IDEAS: Economics and Finance Research. Web. 15 Mar. 2012. .

“Government of Canada Announces Additional Support For Canadian Credit Markets” Archived. Department of Finance, 21 Nov. 2011. Web. 14 Mar. 2012. .

Hodgson, Jeffrey. “Some Canada Property Markets Likely Overvalued: BoC.” Some Canada Property Markets Likely Overvalued: BoC. Www.ca.reuters.com, 22 Jan. 2012. Web. 14 Mar. 2012. .

“House of Horrors, Part 2.” The Economist. The Economist Newspaper, 26 Nov. 2011. Web. 14 Mar. 2012. .

Isfeld, Gordon. “Household Debt ‘biggest Risk’ to Economy: Bank of Canada.”Www.vancouversun.com. The Vancouver Sun, 8 Mar. 2012. Web. 14 Mar. 2012. .

Macdonald, David. “Canada’s Housing Bubble: An Accident Waiting to Happen.” Canadian Centre for Policy Alternatives (2010): 1-23. CCPA, Aug. 2010. Web. 8 Mar. 2012.

Praet, Nicolas. “Canadian Debt Still Rising, but at Slower Pace: Equifax.” Www.canada.com. Www.canada.com, 10 Jan. 2012. Web. 14 Mar. 2012. .

Selody, Jack, and Carolyn Wilkins. “Asset Prices and Monetary Policy: A Canadian Perspective on the Issues.” Bank of Canada Review.00451460 (2004): 3-14. ABI/INFORM Global; CBCA Complete. Web. 15 Mar. 2012.

Silcoff, Sean, and Barrie Mckenna. “The Globe and Mail.” Home. The Globe and Mail. Web. 15 Mar. 2012. .

Yalnizyan, Armine. “The Rise of Canada’s Richest 1%.” Canadian Centre for Policy Alternatives (2010): 1-22. CCPA, Dec. 2010. Web. 8 Mar. 2012.

Come to Beyond the B.Sc!

Today is the last SCI Team event! Come join us at LSC at 5PM to find out what other people who were once undergrads like yourselves did after their long journey in UBC. We’ve got mentors from different career specializations such as:

     

               

There will be roundabout discussions and free food as always! The important thing is, come and be interested in the many possible careers that you can go for after the B.Sc!

Moments where movie scenes come to real life

Ever had that deja vu moments, and then realize, “oh, it didn’t happen to me before, but I saw it in a movie”?

if you’re going to say no, then fine, this is where this blog post ends. However, should you choose to accept that this has indeed happened to you, then maybe I have a story to tell you…

I knew today was going to be a bad day. It started off with shivering cold and wet pavements, and I just felt sad and not motivated at all. Guess I had a moment of feeling pathetic… fallacy :D HAHA ok I’m serious now.

Anyways, I entered a class that I really really felt that I should have dropped since January and get my money back. I was learning nothing but it was too late to drop it. And I was stuck with it. Argh I felt frustrated that I was forced to go. Today I entered the class with my friend with the feeling that I was wasting my time and had absolutely no reason to pay attention.

But the thing is, I didn’t feel crappy coming out of today’s class. I wasn’t quite sure why. Was it because we learned something today? Was it something the instructor said? Something was different. Maybe it’s the fact that I just gotten used to this class and I reflected on it. Or maybe it’s because I’m appreciating how each course I’m taking this year has something different to offer, and how much I get out from each course depends on my effort.

Anyways, this really reminded me of the scene from The Matrix where Neo first meets the Oracle. And she says something like this:

“Don’t worry about it. As soon as you step outside that door, you’ll start feeling better. I promise by the time you’re done eating the cookie, you’ll feel right as rain.”

Except today the cookie was a granola bar. :)

 

Bus conversation #1

I’m going to start having some recurring posts just to get me back into blogging. 1st term this year was good because I tried to keep a sort of daily journal, but in 2nd term…. I pretty much had the same things to talk about so I abruptly stopped.

Bus conversations are something that happens to me on a daily basis (well on the weekdays at least) and some of them are worth mentioning. Today was with LS again. We had a long talk but the fun stuff was about baby naming LOL. Here’s sorta how it went.

LS: “I want to name my boy Lobule.”
Me: “…That’s… an interesting name… why?”
LS: “Because it’s unique and it sounds good!”
Me: “What does that mean anyway?”
LS: “A hexagonal tissue piece of the liver.”
Me: “Umm… whaa… but..”
LS: “I never really thought of it until my bf asked about it. And then I thought of PHYL 301 stuff.”
Me: “But… lobule?”
LS: “Yeah!”
Me: “Okay what if it was a girl?”
LS:  ”Lobula.”
Me: “*long stare*”

PHYL 301… you have turned the wheels of fate.