 There you go. So one more question for Steve, then I want to bring up Scott. Yes, sir. What entities or who owns all this student debt? So the taxpayer owns the most student debt. So people don't know this, but the private student loan market basically no longer exists. It used to. Obamacare was actually the reason for this, believe it or not. So 99% of all student loans are given out by the federal government. It's called FAFSA, the Federal Agency of