I would agree with you there. Looking at these numbers too, the $13.5 billion in accumulated...that's net of repayment. Actually what we saw was a regulatory change to the Canada Student Financial Assistance Act right before the beginning of the school year, because the amount being lent out by the Canada student loans program was going to exceed for the first time the legal limit of $15 billion on the books. Something has to give at some point when we have $15 billion out there in federal student debt and all that's really out there right now to accommodate for that is the tax credits and saving schemes that aren't getting any kind of uptake because people's capacity to save is being reduced. We see similar things happening with pensions and people not having the capacity to save.
I agree with you completely. This is a substantial amount of money. Something needs to be done. It all needs to be addressed in the form of non-repayable assistance.