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. Mr. Veenis, tomorrow, the House subcommittee is going to propose this interest rate in the range of 7.9 percent or so. Every student that needs a loan can get a loan. There's price competition.
Lenders continue to invest in technology.
You can go out today, if you have a student loan, and log onto the Internet, and you can put in your Social Security number and a pin and you can get information about your loan. Those types of technology investments will go away if the cuts are too low. Gentlemen, we'll have to leave it. I thank you both very much. I disagree with that.