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That option for bankruptcy? now. i can understand why people would come at that. but that s why we created the income contingent plans. a fail safe for people cody fault on their loan. but then millions there is are tons of reasons why people default. and we are 20 years in, and we see how it s implemented, does that concern here? yes but the answer i don t think it s to go to something that i think i don t think has the rights of responsibility. i think that income contingent is a more reasonable response than simply discharging the loan and bankruptcy. okay, but do you believe in bankruptcy in general? just as a general? yes, i believe in bankruptcy as a general provision for people who really get hammered. giving them a chance to start over. right, look, we have pretty ....