 Now, do you need to? You can have all the conversation about whether there's value on investment, there's an ROI or not. But the point is, is the federal government artificially raised those rates by guaranteeing loans in an attempt to get everybody to go to college. And now we've got kids coming out with $250,000 debt. And the whole point of going to college has now been shattered by this financial burden. So, yes, we have a problem with the financial burden. Is the solution to transfer that debt to the rest of the taxpayers so that we can keep it on our merry way?