best-seller. my bigger point is, banks are not lending money. the reason why -- >> in the end are they going to pay that fee? >> yes. >> i don't think it will get charged in the first place. >> i agree with you. i disagree with you. mr. best-seller. miss super ratings. >> i never applied to columbia because it was too expensive. >> because you were applying to the country of colombia. >> i tell people, go to a school you can afford. >> my thanks. up next, you think you missed out on this year's big stock run-up? a number? scotade. ron: i'm never alone with scottrade. i can always call or stop by my local office. they're nearby and ready to help. so when i have questions, i can talk to someone who knows exactly how i trade. because i don't trade like everybody. i trade like me. that's why i'm with scottrade. announcer: ranked highest in investor satisfaction with self-directed services by j.d. power and associates.