 So we, the taxpayer, own basically $1.2 trillion out of $1.3 trillion of the student loan debt. And the irony is that Obama did this, you're right, and he did it because he said it would save money. And, of course, the real reason they did it was precisely so that once the government owned the debt, then they could do exactly what Joe Biden has done. We're up to well over $200 billion of money that has been transferred. And my solution to this is the universities are the ones that should be on that.