 This is regarding what they're calling the one-time IDR account adjustment, which I'm sure just makes sense to every borrower out there. The challenge with student loan higher education reform is that it appears that even the people who are speaking about it and even our political leaders don't really understand how it works. And it seems like a bunch of people just parroting what information they're getting from somewhere. It's like people perpetuating a meme. So it affects all borrowers