Now, what do I mean? I mean loans. These universities are raising tuition higher than the rate of inflation, and that started when the federal government said, we will insure these loans for students. Once that happened, the moral hazard shifted away from the universities. So they have been kind of gouging students for room board. I'll give you an example. Hillsdale College, its room board and tuition is about $45,000 a year. It takes n...