So these are all good steps, but here's the problem -- and this is where what's happening at University of Central Missouri is so important. We can put more and more money into student loans, we can put more and more money into grants, but if college costs keep on going up, then there's never going to be enough money. I can keep student loan rates low, but if you're borrowing $80,000 for college, or $100,000 and you get out, it doesn't matter whether interest rate is 3.5 or 8.5, you're still going to have trouble repaying it. It'll take you longer to buy a house. If you've got an idea for a business, it's going to take you longer to invest in starting your business.