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College is a lot different than other nations. that's a fundamental problem. >> i would add that the economy plays -- well, i guess this is anecdotal. i would add the state of the economy is playing a role here in that a lot of people are going to graduate school simply to prolong getting into the job market. you know, that just -- it's a worthwhile investment. i'm not going to say it's not. >> it often is not. i will say that. >> as a grad school graduate, i have to say it because i want to feel good about myself. >> sometimes, yes. often, not. >> at the same time, it adds to the debt. obama ...

Increased competition that would lower costs? >> well-put, gregg. you wonder every day whether anything more wrong can go with obamacare. now we've seen major insurance companies, saying they don't want, necessarily to participate in obamacare exchanges. this comes on the heels of what the unions have said. they're not so excited about their workers being under obamacare, young people. so there is kind of this cascade effect of, as companies and unions find out more about obamacare they, the less they like it. you raised the key point here, gregg. we wouldn't have probably had obamacare had it...