 And for various reasons, the Biden administration inherited this and the Biden administration tried to push through outright debt forgiveness where we could wipe out something on the order of $10,000 for millions and millions of borrowers out there. And that was thwarted by the judicial system. And so it paid to kind of hang on and not do anything amid this regulatory and judicial confusion. And even now, people are saying, what's my motivation? Maybe on the way out, Biden is able to do something.