schools. you talk about this, 10/25/50 problem. explain that, okay? >> so this is one of those problems that i wish got more press. there has been this massive explosion at for-profit universities or students attending for-profit universities over the past 10, 15 years. and the thing is, they educate roughly 10% of all students or all undergraduates, all students, in our university systems. they are responsible -- they take about 25% of all student aid from the federal government. right? so 10% of students getting 25% of all aid. and then they -- because they're so, so expensive. and then they lead to about -- they are responsible for half of all student loan defaults. this problem with student debt, so much of it comes from this one predatory industry. and so right now our financial aid system just feeds directly into them, because there is very little the government can do to kind of cut off the spigot of money that goes to these schools. >> yeah.