payments. this is a huge problem, ammar. i mean, what would be your advice to young people who are heading to the polls next year wanting some relief here? >> yeah, get your voice out there. you know, i was a kid who went to community college and san diego state university, and that catapulted me to get to work at the white house and the department of labor, run for congress, become a strategist for the party, and that all happened because of the great equalizing force of education and putting a world class education within reach of our people. we were talking about cheap labor and productivity. the world's gotten more expensive, right? the cost of living around the world has increased, so that gives us working people, young students, the chance to own the 21st century here in america by putting a world class education within our reach. and you're right, i mean, the money that we give to debt collectors, that could be circulating in our economy when we need it most right now when inflation is on the rise and everything costs a lot. we need to stimulate the economy. it should be going to