RICHMOND, Virginia, May 12 -- The Federal Reserve Bank of Richmond issued the following article by Roisin McCord and Economist Laura Dawson Ullrich: * * * Historically, enrollment in higher education has followed a countercyclical pattern, meaning it tends to increase when current economic activity and job prospects decline. Community college enrollment increased dramatically during the past three recessions, with Fifth District community college enrollment growth exceeding 20 percent during t  more