Mr. Parsons, you made the point that students basically have to work a lot and do a lot just to keep things up, and this may be decreasing the quality of their studies and the quality of their education. Mr. Keys mentioned that risk aversion may be pushing people away from taking risks and starting businesses.
Do you think that university education is a full-time job, first of all, and second, do you think that's equivalent to running your own business? I will tell you that I started my own business at 24, and you'd better be prepared to work seven days a week and long hours. What is the balance that you think should occur between working and studies?