 Well, it all started with a seemingly well-meaning program where the federal government stepped in and decided to guarantee loans. And the colleges looked at that and said, well, the federal government's going to pay for this. We'll raise the rates and get some of that money. And here you are today where colleges are $50,000, $60,000, $70,000, $80,000 a year. There are three colleges in Maine that charge more than $80,000 a year to go.