 that is subtracted from the college premium. So the questioning of the college degree, there's a lot of legitimacy to that. And that is what is driving what's happening in higher education now. We got this email from Jeffrey in Maryland who says, my daughter attended McNally Smith College in St. Paul, Minnesota for her first freshman semester in fall 2017. The school announced in December that year that it would be closing several days before it actually did and during final exams.