when you look at that, the debt and loan forgiveness? >> it is not really fair. doesn't help a lot of people. it is not fair to people who decided against college because of debt, not fair to people who are working their way through college currently, not fair to people who have recently been able to pay off their loans. only helps a very small subset of people because this isn't going to be repeated, this is a 1-time thing in order to gain votes in the midterms. this is going to be a yearly thing. will: you are not just a professor, you are an accounting professor, break this down. who to does this help and who does this hurt? >> it is funny hearing about this because this is kind of like the equivalent of bringing