It takes it very seriously, and that's why we had the study done. That's why we're looking forward to seeing the study that comes out of the Congressional Budget Office, which looks at the Treasury study. We believe that we've set our rate, that is within a reasonable range, and that it's not going to affect the supply very much, but if it does affect the supply, we have a contingency plan that could go to work immediately. We've got a very fair rate for students. We believe this proposal is very strong, and we'll see a lot of attention paid to it in the Senate, in particular.
Contingency plans exist to pick up the slack.
Well, Jon talked about the kinds of loans that are more preferable to the banks, that is, larger loans and loans from people that they see as more stable and in some way that is more likely to be able to repay easily so that the servicing costs aren't as great. They have fairly large loans over a period of time, and they do pay their loan costs. There are another set of students that often are poor, can't absorb some of the costs, and actually often have smaller loans. Those loans aren't as attractive. We believe that we need to make absolutely certain that every one of those students will be eligible to get a loan.