It&#x27;s certainly not explicit fraud, but it is a type of social scam, which becomes a trap, and yes, I think the solution is to turn down the loans, and force the landlords to deal with lower rents, because, as you say, now they have tremendous price gouging incentives. And while it&#x27;s bad in Berkeley, it&#x27;s really bad in Westwood, where the UCLAers live.