Earlier in the interventions, we heard a comparison with the 2003-04 era, how the default rates have dropped considerably since that time. I recall that's actually my vintage. That would have been when I graduated. I graduated from Acadia, and I'll give a shout-out to Mr. Blois.
Tuition there was expensive at the time. It was something like $3,500. That would barely cover the cost of books today. I also recall that people in my cohort knew that if they defaulted and claimed bankruptcy, their debt would be forgiven.
Has there been a change? I believe there was a change, and if so, in what ways are you referencing that change in terms of the way people are now continuing to be shackled to this debt?