standardized form that every school agrees to use to present the student where they go through in a checklist item by item in making sure that the student alls of his or her rights, understands the program they're signing up for. understands the cost of the program. understands the cost of all the loans and the repayment, and no student walks away before making enrollment decision without being as fully informed as he or she could possibly be. what we have here is a great set of schools offer great benefit. if it's perceived that students are being subjected to high-pressure tactics or not being given the accurate and complete information, then people are going to question the value to these students. >> here's the thing. you said you're going to do the standardized forms. all the schools agreed to do this. >> we have to make changes. >> so people just don't do that. most of the times when this happens there's a culture here.