 and struggling to do so, depending on what your major was in college, right? If you major in sociology or gender studies or something like that, it's unlikely that you're going to get a job that's going to allow you to pay that loan back with any sort of speed. Or you can say to this young person, look, we can give you some skills either through, I mean, everything from electrical work, general contracting, et cetera, where you won't have to have a loan, you'll immediately be making money as soon as you graduate,