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Workers' compensation is a complex insurance product, with state-specific regulations, ever-evolving court rulings, and an increasingly litigious environment. However, you can get "all you ever really needed to know about workers' compensation, but were afraid to ask," for an astonishing low price if you know where to look. One web site offers a 770-word "overview of workers' compensation programs and laws," complete with four sources, for $27.95. The same site will set you up with a 3,985-word "comprehensive look at the system its benefits and challenges," with 17 sources, for $108.95. Many sites helpfully offer discount pricing for multiple purchases: "Buy one, get 40 percent off the second paper!" they exclaim.

For those with more money than time, custom research is available. Prices are time-sensitive, perhaps banking on a student's last-minute panic. For papers required in just a few hours, the cost may rise to $80 a page. For students thinking ahead, the price can drop to $20 a page. All papers are "guaranteed," include a "free" bibliography, and are designed by font, margin, and type specifications to generally accepted school formats.

The ticklish question of plagiarism appears to be addressed on all the sites. Most sites include the disclaimer that the papers are for research only and are not to be handed in as-is with the buyer's name substituted for the paid author. One site strives to make its users feel better about purchasing its products by offering the following: "Why do students plagiarize? Are they lazy? Yes! Are they procrastinators? Yes! Are they evil kids who don't want to work? No!!! Anyone who takes the time to get out of bed and go to class every morning of their own free will is willing to work." Well, yes, 80 percent of life is about just showing up -- but the other 20 percent is about "following through."