 Well, I look at this, as you said, under a situation where not only will it be taken advantage of more by other individuals, but it's an issue of responsibility. It's an issue, look, I get you're going through things. Once you make a decision, though, and you enter into an agreement, as you say, very similar to the student loan debt thing, you've got to live with that decision. And too many times we're bailing young people out and others out off of decisions that they've made that they decide now are poor decisions.