And we whatever these numbers yesterday, and it's really mind boggling, but I think now that I've had a chance to think about this, I've had a chance to stew to percolate to marinate on what we learn yesterday. I've come up with a couple of thoughts here. First of all, to everyone's surprise, the people, the demographic, most likely not to repay their loans. In fact, are the people who can afford to repay their loans. The people that are repaying their loans happen to be middle class working class, even lower income people. So their meeting their obligations, while the wealthy are not. And I have a theory about this. I think it's about upbringing. I think this is something that has learned from mom and dad. And mom and dad, by and large are teaching these middle class moms and dads and working class moms and dads are teaching their kids that if you go out there and you check out a loan, you sign your name on the dotted line, then you have to meet that obligation and you've got to do whatever it takes to beat that obligation. If it means if it means taking a second or a third job, then you gotta do it. Now look, I was, I grew up in a blue collar home. My dad was an electrician. He didn't want to go to college. And there was a time when dad did really well. He was an electrician. And things were going good in the stern's household. Mom was a stay at home mom. She was a housekeeper and the domestic goddess as dad called her. And she raised us. And dad went to go work. Well, there was a time back in the 70s and you remember this if you grew up during the Carter years where the economy took a tumble. And dad lost his job and at times were tough, but my dad didn't go looking for a handout. You know what he did? He had to go and get two jobs. And at one time, he was working three jobs. And why did he do that? Did he do it because he just wanted to work all the time? No. He had obligations. He knew that there were bills that had to be paid. You had to put food on the table. You had to pay the mortgage. So dad did what it took to get that done. That's the American way. That's the American spirit. You work your butt off. You go to some of these European countries where everybody pays and the cologne and they drink wine all day and they take the siestas and they work what three hours a day. But that's not who we are as Americans. We bust our butts, we do what needs to be done, we take care of our responsibilities. There was a time in this country where men were men of their word. When there was a handshake deal, that's all you needed. You didn't need to sign some sort of a contract, a man's word meant something. At least that's the way it used to be. But that's not the way it is now. But I think a lot of those things are not being taught to these young kids that maybe are growing up in the mcmansions. They've got the parents are members of the country club. They get everything handed to them on some sort of a silver platter. And these are the same people, by the way, who are become establishment Republicans. They hang out at the country clubs, they don't care about people like you. They just, they look at us as servants. That's how the establishment Republican looks at all of us conservatives. The hardworking people. The Chamber of Commerce, crowd. That's who they are. That's who they bow down to. Not us. So anyway, I'm going through all of this and somebody sent me a note last night and said starts. You got to understand something. It's not just, it's not just the people taking up the loans. The entire university and college system, that military industrial complex, well this is an academic complex is completely corrupt and it has nothing to do with the woke ideology or the fact they're raising a generation of Americans to hate America. There's a lot more going on there. The amount of money that is being squandered on crap. And I'm talking crapola. It's unbelievable. Now grace baker, you just graduated a couple of years ago. You went to a university in Memphis, Tennessee. Yes. Did you live on campus? Or did you commute? I lived on campus and then I lived off campus with a couple of girls. I'm curious, what was your experience like living in the dorms? Oof. It was, it was a modest dorm. I had a decent roommate and it was a nice experience, but it was nothing fabulous. I mean, you had the basic cop bed. You had brick walls, you had to bring your own mini fridge a little sink, nothing fancy though, really. So it's pretty much bare bones. It was bare bones. Because a 100%. So you're the anomaly, because a lot of these schools now have amenities. Yeah, no, we didn't have amenities, not in the building. No. I mean, back in the day, it was like, you had, you didn't have a private room, you had two, at least another roommate, some cases you had four guys in there, and then you had the bathroom of the showers that were down the hall. Yep, that's what I had. All right, so bare bones. Bare bones. That's not the way it is in a lot of these schools, where they're not universities, they're resorts. I know. I read about some of them and I'm like, wow. And we're having to pay for all of this. Why should we have to pay for the gender studies majors and the goat yoga people? Is that a thing? It's a thing. Google it. It's a thing. There are some schools that are actually advertising infinity pools. You say, what is an infinity pool? Those are rooftop pools that make it look like you're going to swim over the edge. Which is a little bit. These are you would expect that at some sort of a high end posture resort, not the local university or college. But this is what they're doing. They're squandering our tax money. Who needs to go on a vacation when you can just go to college? Yes. Just do the actual campus that is. No, exactly. I mean, when you look at all the buildings going up, we're paying for all of that stuff. That's true. Michigan technical Michigan technological university. They have a campus on campus, ski resort. A 112 acres of ski friendly terrain. Pomona college. They have an annual ski beach day. They actually have buses that take the college kids to the beach and a mountain resort for fun in the snow and the ocean. Oh, that sounds like a lovely day. Boston University looks some of these schools are private, I get it. Boston University, 26 story glass dorm, a condo with private bathrooms, walk in closets, and you get your own complimentary flat screen TV. Pretty snazzy. The university of Missouri. You guys have.