when skip humphrey testified about what they're doing with senators to protect seniors and what holly petraeus has testified about how we protect veterans. that's why these agencies are here. not to score political points but to protect them against the kind of -- the kind of financial service abuses too many veterans and seniors have been subjected to. i would like to ask mr. cordray a question. every year i invite college presidents from around ohio, 50 or 60 of them to come to washington where we spend a day, day and a half. whether graduates finding jobs, student loans, affordability, whether it's training, scientists, all the things that our college universities do so well. one of the issues that we address most recently is rising co cost. that's why i proposed ombudsman office included in the cfpb. mr. cordray, tell me what the bureau has done to address the rising level of educational debt in the country, what are your future plans as you begin to run this agency and figure out how to protect students and these kinds of situations? >> sure. first of all, we've hired a terrific individua