 or a scholarship, and that's nice. Okay, they gave you a couple of thousand dollars. Knock it down a little bit. Knock it down. And then there's the parent loan, and then there's the student loan, and they say sign here, and you don't have to send a check. You don't have to send anything. So if the parent is just saying, oh, little Johnny, little Jane, they really want to go to NYU, they want to go to this school or whatever, or private school X,