in this period? what is going on in that market. >> it's basically a lack of composition. it's kind of -- lack of competition, as simple as that. if you need the money and want to go to school, you have a choice, you can basically go to sallie mae and take whatever rate they'll give you and go to school or not go to school. we place such a premium, emphasis on college, as we should, in this country, people will take the offer. it's an offer you can't refuse more-or-less. when that's the case, then the lender is going to get as much as they can conceivably get out of it. >> and the tuition, there's an interesting relationship that's happening right now. you guys hit on this in the article, that there is a relationship between tuition going up and the availability of student credit and student debt, which is that the availability of lines of credit and the expansion of student debt that makes it possible for places to