prices. neil: well, that is what's going to happen, i think. but, and francis, having said that, it's interesting from jenna's perspective she has young kids now,ion dollars a year by the time those kids get to school. good luck with that, jenna. but one thing i see the trend for the government to pick up the tab. as i said, deficit has been growing, debt has been growing, this might have been an anomaly year and the deficit was over three and a half trillion, but that used to be the entire debt of the united states not that long ago. even if you tax the rich at 100%, whether that's sustainable? obviously, if it's a concern for the markets, if it it's a concern for the money guys, they're not showing it, i get that, but i think this is a serious problem. these obligations that are coming forward, adding new ones, without coming up with a way to pay for them. your thoughts. >> no, i agree with you entirely. there's such a domino effect to all of these things. it has to be modeled and has to be considered. first of all, as you've said there's one and a half trillion in student loan debts. the endowment collectively couldn't pay for that, forget w