 For example, the Department of Education, at the federal level, education could be done in months. You close the Department of Education, you shut down the student loan program, you just shut it down. You say, OK, we're never issuing another student loan. And we're not guaranteeing any either. I mean, that would take, again, an act of Congress. We're not guaranteeing any loans and we're shutting down the student loan program.