 Student loan debt is the second highest category of consumer debt, second only to mortgage debt and higher than credit card debt. It's critical that we do everything we can to address the pressures that families and individuals face in their effort to assist their children or support themselves in the pursuit of a college degree. This is why today I'm announcing that I will present to the Board of Trustees a zero tuition increase for next year. That means no increase for undergraduate students and no increase for graduate students. No increase for in-state students and no increase for out-of-state students. We here at UVM accept the solemn responsibility to do all we can to ensure that a UVM education is accessible and affordable to a broad diversity of students, including students from a broad socioeconomic spectrum. Our most sacred obligation is to ensure the success of our students and that starts with access and affordability.