shawn vanderziel, a real pleasure having you on the show. et me start with this, because our data shows a relatively steady graduatejobs market in the us. i'mjust wondering, shawn, how are you seeing things? the graduate job market for the class thatjust graduated is really good. our research shows that companies are hiring about 4% more graduates this year than the previous year. and the previous year had a considerable increase due to the recalibration of college graduates being hired from the previous covid decreases. and the overall employment landscape in the us is pretty good. while we've seen some slowing down in recent months, we're still at historic low unemployment rates and we still have considerablejob growth month over month. we've touched upon the seemingly ever—rising costs of higher education in the us. i mean, with student debt, the levels there, it's the second largest block of private debt in the country, it's like $1.7 trillion. how much, shawn, how much of a burden is that cost on graduates? pursuing a college education i