 It's because I've talked to so many smart people who empower me with information that I otherwise would not have. And Dr. Tisa is breaking this thing down. So for those of you who have student loan debt, she's helping you understand what's what. When we come forward, I want to ask her about this June 30th deadline for student loan forgiveness. And I'm kind of in the dark about this in part because I keep seeing these stories of the courts pushing back on this program. But I keep seeing these stories about a deadline of June 30th. So we'll get Dr. Tisa.