It would be something worthwhile, at least to folks like me, if some of those trends and models could be picked up and then implemented, particularly when speaking to government—and I know the colleges talk—speaking to the financial services that government offers, the mechanisms that the government actually controls.
Turning to my friends at CASA here, I'm looking at a number of your requests. How would you characterize the trend for students and their loan payments? Take the last 10 years, if you want to look at a specific timeframe. Are we trending up or are we trending down? Are students leaving school with more money owed to the banks or less?