I have a lot of different questions, so I'll have to try to keep it brief.
We talked about the cost of flight training, as you just did, and also about mitigating the student loans for the students, but as I discussed a couple of weeks ago with respect to the Germanwings crash, we saw the risk if a student goes through their training and then loses their medical certificate. How would you mitigate this risk on loans so that you don't have people hiding illnesses and disabilities in order to pay off that loan?