 Pleased to have Dr. Tisa Silver Kennedy on this program. Dr. Tisa, how are you today? I'm doing very well. Thank you so much for having me. It's my pleasure to have you on the program. Let me just jump right in with this first question. Why is it, no naivete in asking this, but why is it that the president is getting so much pushback from the courts? Every other day I see another court case, it seems. Why so much legal pushback on the president trying to relieve the debt, the student debt of fellow citizens?