Yes. Now take a step back and think about all the hoops you needed to jump through to buy that home. You had have money-up front, you had to have income to afford the payments, and there are truth in lending disclosures. None of those things apply to buying a degree. That's the problem. We allow people to borrow 100K with nothing but a signature. Well if that's wrong buying a home that's wrong for a degree, too.