donna and norah brennan. they're both retired navy veterans. and they had experienced a tragedy in their life that has inadvertently entangled them with the internal revenue service in a way that i think makes no sense. their son kegan graduated cum laude from the new hampshire institute of art and he had taken on federal and private loans in order to enable himself to get his education. he had a bright future. unfortunately, barely six months after he graduated, he passed away suddenly from nontraumatic brain aneurysm, a tragic loss which i think any of us as parents can only dimly appreciate or understand or empathize with. it is -- it is so unthinkable to lose a child in this way that it's -- it's just hard to conceive of. now, the federal government has recognized this kind of situation and forgives the student loan indebtedness of students who pass away in this situation. the federal government gets that part right. congress has already directed the department of education to forgive outstanding balances for borrowers who pass away as well