There is, I mean, you could make the argument for medicine, for doctors that there is a problem because the payments aren't as good and the many, many, many years before you even start getting paid well. It's forcing people into specialty practices that, frankly, we don't need more of. We need more primary care physicians. Not loan forgiveness, but at least on programs that address that. But that's a scalpel approach that you can't just...

Well, here's the deal. So basically, there are dozens of instances where you think like, oh, the loan program is not working for this reason, and you just cited one of them. I think what we've tried to do with higher ed finance in general is say, let's fix all of the policy problems that we have that have to do with education, employment, workforce, using this really blunt tool of student lending. I mean, it's the wrong approach. Is there a problem with the availability of primary care doctors? Yes. What does the economic textbooks tell you when there's a shortage of primary care doctors? Subsidize primary care. Don't create a lending program that has all these terms and generous forgiveness provisions. Give them a tax credit, pay them more, you know, whatever it is. And so we kind of go down this road of saying we have to leave the program intact as it is, continue to make, you know, graduate loans unrestricted, which is the status quo, because we have these challenges I think we need to get away from that and you know putting limits I think even getting rid of entirely graduate student lending that's one of the biggest problems you know we talk about where the money is going from the forgiveness so much of it is going to graduate programs in part because a lot of them don't pay you know these are really low programs, typically, outside of the professional degree programs that we talked about. So this is a big area of concern.