a straightforward affordability issue. i think the current university funding system is proving to be quite expensive to the taxpayer in terms of the upfront tuition fee loans and the cost to the taxpayer of writing off a lot of those loans. but it is actually, i think, a really negative retreat from the aspiration we have had for many years now, including previous conservative governments to come to have 50% of our young people at university, it is clearly saying we want fewer people to go to university, and that is negative in general for university, and that is negative in generalfor the university, and that is negative in general for the economy, for individuals, and just yesterday i was having a meeting in india, where they have agreed to move towards a 50% participation target, which is another 35 million young indians going to university at the very time that we are retreating. but going to university at the very time that we are retreating. going to university at the very time