i cannot believe you have not -- brad killaly and speak to all of this. -- can speak to all this.great to have some time with you. when you look at the cost, it immediately does look like an awful lot of money. of course it is an investment in your future. can you give us a breakdown of affordability? is it companies that help put them through it? brad: thank you very much for having me. when you see those figures, they can be a bit shocking. for someone who is considering an mba it can be shocking. but it's an entire range of resources brought to bear for making that investment. i'm glad we talk about it as an investment because it is a particularly strong investment in one's career and life opportunities. depending on the school it can be corporate sponsorship, personal investments, earned scholarships, as well as loans. i think financing an mba can be a particular challenge for many people because they see the sticker price and the opportunity costs of their time. but really, the return is almost universally there across all leading business schools in terms of earnings as well