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In this period? what is going on in that market. >> it's basically a lack of composition. it's kind of -- lack of competition, as simple as that. if you need the money and want to go to school, you have a choice, you can basically go to sallie mae and take whatever rate they'll give you and go to school or not go to school. we place such a premium, emphasis on college, as we should, in this country, people will take the offer. it's an offer you can't refuse more-or-less. when that's the case, then the lender is going to get as much as they can conceivably get out of it. >> and the tuition, the...

It's kind of -- lack of competition, as simple as that. if you need the money and want to go to school, you have a choice, you can basically go to sallie mae and take whatever rate they'll give you and go to school or not go to school. we place such a premium, emphasis on college, as we should, in this country, people will take the offer. it's an offer you can't refuse more-or-less. when that's the case, then the lender is going to get as much as they can conceivably get out of it. >> and the tuition, there's an interesting relationship that's happening right now. you guys hit on this in the a...

The mill thing in the entire universe, the least surprising thing and will probably appear on page a-19 of the washington newspaper. the senate rejected attempts to end oil subsidies. president obama was for ending oil subsidies and so were democrats in the senate but the republicans filibustered and it died. that three bullet point explanation can basically be said about everything that has happened in washington since 2010 or more-or-less. if you just think about it for a second, in this particular case, if you don't accept it at face value and instead take this case and hold it up to the li...

On page a-19 of the washington newspaper. the senate rejected attempts to end oil subsidies. president obama was for ending oil subsidies and so were democrats in the senate but the republicans filibustered and it died. that three bullet point explanation can basically be said about everything that has happened in washington since 2010 or more-or-less. if you just think about it for a second, in this particular case, if you don't accept it at face value and instead take this case and hold it up to the light 15 degrees to see it at a new angle, it is down right bizarre this happened. it is a tr...

Was the most benign and run of the mill thing in the entire universe, the least surprising thing and will probably appear on page a-19 of the washington newspaper. the senate rejected attempts to end oil subsidies. president obama was for ending oil subsidies and so were democrats in the senate but the republicans filibustered and it died. that three bullet point explanation can basically be said about everything that has happened in washington since 2010 or more-or-less. if you just think about it for a second, in this particular case, if you don't accept it at face value and instead take thi...