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means we get to pick up the bill for that. going into default. a high percentage of them, do. the other thing is the credit card dent on campus. financial problems cause more people to drop out of college than drug use or grades. they get into a financial mess with the credit cards and then boom they leave college without the degree and now we have an activated student loan and don't have the income to pay it. what a mess. a layered mess. >> neil: what has further extended this is this look around reality, you know, banks and scores of businesses, auto companies and the like that have gotten bailouts and they have seen a lot of mortgage rework programs where a lot of folks can and do walk away from mortgages, walk away from their obligations. maybe their parents are among them, i don't know. the reality is that this has almost become the chic thing to do. >> the strategic default crap that is flying around in the

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