* Not many answers: Why did BlackBerry service fail?

* Goldman Sachs to employees: Avoid Occupy Wall Street

* Andrew Yang is launching a Teach for America-like program for entrepreneurs

* Morning Call: U.S. futures point lowerLondon falls earlyEuropean shares slump on miners and the Nikkei hits a 1-month high.

* Gary Rivlin: The perils of borrowing online

* The investor brain: How neuroscience is demystifying the markets

* Get Term Sheet: Sign up for our morning email on deals & deal-makers

* No more wrist slaps: Prison sentences for insider trading is on the rise

* Annualize that: Using merger arbitrage in equity portfolios

* Tweet of the Day: @PIMCO: Gross: Class warfare by the 99%? Of course, they’re fighting back after 30 years of being shot at.

* WSJ says web startups are hitting a cash crunch. As Paul Kedrosky tweeted, the sentiment is right but the verb tense is wrong.

* Parody alert: “Elizabeth Warren” is running for Senate: