the question is for miss moakler. in your testimony you described a situation where some students are demanding payment -- the schools are demanding payment of tuition and fees and the v.a. has delayed in the payments, what have you. what can be done to address this issue so the students are not negatively impacted by school and v.a. delays? >> well, what we're asking for is protections for those receiving v.a. benefits that are already out there for those who are receiving title 4 benefits. if a pell grant payment is late, the student is not penalized, they can still go on and register for another semester of classes or what have you, whatever certificate of eligibility they get for their pell grant is held as receipt of payment, as it were. but with the v.a., many schools do not look at that certificate of eligibility as payment. they want the payment in hand. that causes a hardship for many. >> give me an example of the hardship because this is unbelievable. unacceptable. tell me, what's the penalty in a lot of cas