 I just have no faith in those programs. Not because I don't have any faith in the people that institute them. On either side of the aisle, you bozos, so seriously. Because you keep making the loans. And if they're so stinking bad, you shouldn't keep making them. This is me talking to Congress again. You should go testify before Congress. Your congressman invited you. I know, but I try not to do things that are a waste of time.