As the quarter grows older and the financial aid check reserves dwindle, the ‘human is facing tough fiscal decisions about its future: Can I afford that concert? Some food? Gas money back home?

Financial crises also trigger reflections on the past, like how many sandwiches I could have bought with the two bills I left with that cold, robotic blackjack dealer at the Sahara last weekend.

Thursday’s forecast: A cloud of regret with occasional flurries of resolutions.