 So they moved it over, all the student loans, over to the Department of Education. And, of course, since 2010, the student debt has increased about $100 billion a year with an increase of the for-profit colleges. You probably see the ads on TV. So you have an increased tuition, the salaries, they actually doubled. Hey, let's make some money. We're just billing the government, you know. 5,000 colleges, universities got involved in this. And now the same people who created this moral hazard