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One of the ways we can reduce that is through our regulatory budget idea. These guys can cook up all of the creative regulations they want, but they will have to come under a regulatory cost budget every single year. That will force them to justify these regulations. I am with industrial bank. My question relates to education. The escalating cost of college education, we have a number of young people who are having to drop out after taking on loans. That kind of debt you cannot declare. People are unemployed, cannot pay back their debt, and they have their credit wrecked which makes it difficult for them to find employment. The escalating cost makes it impossible for people to get an education. What would you do to control escalating costs and how people can work their way out of a difficult situation . A number of issues that lead to the escalating costs of Higher Education. Every time we increase the aid packages, it gets eate ....