teacher loan forgiveness and murrieta of loan forgive 234es programs already. and anybody else that is struggling with debt is potentially eligible for income based repayment at the end of which we for by the debt. so you know, i think that the unfortunate answer is we have built in alternatives to the bankruptcy discharge and that simply is a reality. the costs of those forgive 234es programs then are ultimately cycled back and paid for by the other participants in the program. >> i think that a very important message here of the book. and of discussion is to be cleared and truthful over what we are doing. with the simple truths like, if two of the people are having post and secondary education, then it cannot be all of them will make over the median income that is math. yet what do you hear every time that you read a popular article on this? >> you will make more money than half of the people at least if you get an education. and we will have to be precisely honest over what we are doing and what is consumption. and what is investment. what are the likely inv