outstanding. this is the high interest rate debt. high for undergrads. even higher for those who have graduate student loans, plus loans. the idea is we are going to propose taking all of the debt and refinancing it down to 3.86%. which is the interest rate that congress said less than a year ago is the right interest rate for student loans. so bringing all of the student loans, the interest rate down. and then paying for it. because you got to have a pay for it on this. paying for it by saying we are going to close one of the big tax loopholes. and that is, let's pass the buffet rule. it shouldn't be the case that billionaires pay less in taxes than their secretaries. but the reason i put it that way is because here is another way, now new look at that debate. the united states government can invest, it can invest in