Mr. Chair, with all due respect, I think for the average person reading this, that's going to have to be spelled out in the bill much more clearly than it currently is. I find it very confusing to suggest that someone who had a loan back in 2006 and still has $100,000 to pay on it can now suddenly be retroactively subsumed under this new bill and start to collect $1,200 per year from—
On October 18th, 2012. See this statement in context.