Have you further thoughts on that? I wanted to come back quickly to the issue of student loans and speak to an issue and ask a question that concerns students right across the board, and that's the reference to improved student loans.
Two things. One, what kinds of improvements are you suggesting?
On the other, I know from speaking to many students that it has been shown to be inflexible and it needs a real overhaul. I was curious that you mentioned improving loans but made no reference to re-establishing a needs-based grant system to ensure that students don't end their education programs with $24,000 worth of debt, as we hear is the average, and in some cases higher.
So there are those two things.