 I liked my dad a lot more when he was a grandfather than when he was my dad, to be honest with you. He was hard. He was a tough guy. But, man, he loved the kids. Yeah, there's nothing better than getting a four-year-old hug. While we have a couple minutes, I wanted to go back to the student loan thing. Penny is listening. What's that? Penny is listening. Oh, that's awesome. I wanted to go back to the student loan thing for just a minute. You were talking about what's the root cause of it.