GOOD DAY FOR: Market research, as parents are making more studied toy purchases this holiday season, in light of the spate of recalled products. The increased scrutiny is expected to hit the bottom line of toymakers and discount stores like Toys “R” Us, Target, and Wal-Mart. Specialty toy stores could benefit, analysts say. (MarketWatch)

BAD DAY FOR: Student lenders, after Harvard announced a plan to reduce tuition costs for families earning between $60,000 and $180,000 a year. Harvard said the subsidies will put the cost of attending the university at $18,000 or less for many families—on par with some public universities. The plan is aimed at eliminating the need for students to take out loans. (The Washington Post)