But then Oxford, Harvard and Yale dont tend to train people to form their own little armies.
Though the Old Boy Network probably comes in handy if you do want to form your own little army........

I know we had this freedom-fighter v terrorism debate a couple of weeks ago. As in all things under the sun, there are two extremes and an infinite series of grey shades in between.
Mostly your definition will depend on whether you are on the recieving end or not.
I call the IRA terrorists, though it could be argued that a majority of their targets were govt or military installations. I call the UVF and UDA terrorists too, though many of their targets were the IRA.