Madam Speaker, I can speak quickly. I own an auction company, so I can do it like an auctioneer.
Many people invested in these types of things to secure an education for their children. We had a case where they felt they could invest in a program and in five years, when their kids were ready to go to college, they would not have to go through the student loans. There were reasons why perhaps their children could not access a student loan. They put money in hoping their children would get an education. Well, they got an education from the school of hard knocks. That is where the children ended up going because there were no moneys because of the loss.
In other cases, the farm has been put up and owners have seen significant losses. There are cases in retirement where they have stopped--