 and give it to people who bought bad loans for bad college degrees, bad by definition, in that if you said, I want to borrow $50,000 or $100,000 to get this college degree, you were saying, I think that college degree will be worth an investment of $100,000. If you've now decided that you don't want to pay the money back, it's because you've decided that that degree was not worth the $100,000, and now you want somebody else to pay the bill.