Student debt at previous levels being a thing of the past and politicians can say but they want to see two sets of responses people are on that treadmill harder and harder which would be a nightmare and people who dropped out altogether is the different nightmare of a different kind so i dont think we will have the problem that the day and the the days. [laughter] more questions . Still a celebration of the denmark speed skating victory. I and a colleague on both accounts but one of the reasons bankruptcy works is there is a stigma. It seems to be much of American Life to give people Second Chances we have to keep fat balance you could argue in the 1970s to reduce the stigma of divorce and lots of people got divorced that turned out to be bad then as our colleague pointed out well credentialed affluent people stop getting divorced. And people are still getting divorced. How do we maintain that balance . And there is some way to quantify that semitist is hugely important and to talk abo