We asked for self-regulation in the banking industry. Is there room for that? Is there maybe somewhere we should go? I guess I could ask Ms. Seaborn and Mr. Champagne as well whether that's a possibility. I'm just concerned about the private sector. We all want to stop any practice that's wrong or that takes advantage of, or is harmful to, students. By the same token we have that balance.
Can all of you maybe just comment on that?