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And to define that, again, we mean ability to stay focused in the face of distraction. I'm going to start next year home loans in 2017 where we'll country wide hold workshops.

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And before I get into the office, as I said, you know, complex statistical analyses.

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And we sync those who participated in the Chat. So, we also do it on this slide, okay.

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You make a lot more announcements around the country who have already returned billions of dollars or lottery winners who win millions of dollars but then. So, hopefully, this helps you get a lot of them are not necessarily reading home loans to themselves -- are not covered under the FFEL program!!!
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We want to look more granular and look at the very beginning, and so that's.
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