chancellor kerwin repeatedly said that it is a national disgrace that students and families coming from the lowest quartile of income graduate 10%, 9% to 10% chance of knrauding college, whereas students from the upper income quartile graduated 85% to 90%. that's just unsustainable as a society. while there are many and complex reasons why more low income students do not complete a college degree, obviously, the volume of financial aid dollars, the efficacies of the programs that make these programs available are critical to expanding the success rates of these students. as you know, there's roughly 7,000 students of higher education that participate in the federal pell grant and/or federal student loan programs. many of these participate in one or more of the seog, federal work study, and federal perkins loan programs. i'll speak to the three programs and turn my attention to the various trio programs. let me start by noting that there are very positive impacts of these programs. i know there are proponents of rolling a lot of the programs into one loan, one grant, one work, to make th