A
-- well, and often exists only because of the federal programs that they can take people and tell them they can get loans for their full tuition, uh, and the school gets paid off immediately, uh --
B
And then they --
A
-- and then they don't provide very much education.
B
-- and then the people default --
A
Yes.
B
-- on the loans. Well, I would have to agree with you if there are circumstances like that, uh, around, uh, and I, I, I can't confess to having any substantial knowledge of that sort of thing, but, but taking what you're saying at face value, then I would have to agree with completely.