 It has become. I think you've seen some red leaning states saying that this was the Biden administration trying to throw money to 20 and 30 somethings to win to buy their votes. But there should be unanimity across the board that the system right now is not working. No one's really collecting anything. There are people out there who are willing to pay and can't even get a correct quote from the servicing agencies out there because they themselves are confused. So it is a gigantic mess.