Are the student debt crisis and rising tuitions alike? Are they both simply the result of universities looking to student debt to replace to replace lost public funding? Or are there also things like increasing administrative blow, which you referenced and this arms race for for the sorts of fancy amenities that can attract full freight paying students? The factors are definitely playing a role. There's also the sort of the ideological difference in what colleges and university education is understood to be offering. And so if you think about the way that college and university's education is marketed to students, the idea is that there's pretty much no amount of money that you can spend on your education investing in yourself that would be too much.