wages for the folks that are working but lower labor participation. people would have another option. you decide what you care about and you do something to solve that problem, that problem you care about. the trouble is that you push the balloon down in one place and it goes up in another. similarly, she made i thought a very important part. when you are trying to increase access to credit, these for-profit guys are going to do a lot of things to increase access to credit, some of which we are going to like and some which we are not going to. we have gone too far in that direction. we have to pivot back. not all good things go together. >> the point here is that they are separable. >> we are trying to get it right each time and we are always going to create new pathologies. >> this is philosophically