and that in many cases they are undercompensated for the kind of work that it takes to move that academiche reality is, you have to have a core value that puts students first and refuses to accept that some students cannot reach their promise and potential. so teachers are very special people in that regard. having said that, teachers, administrators, folks in private industry, need ongoing and continued professional development and training to keep bringing that a-game and that's what the county office of education is committed to providing to the 31 school districts and other cmos in santa clara county. >> we're talking off camera about that step that parents make in deciding whether to send their kids to a charter school or dual-language emerging schools. give us your take on that. i think the message is if they are willing to even consider it, that means they are engaged. >> the first element that's important is to recognize when a parent considers options, whether it be a matter of choice or whether they are disappointed in the experience their child is having in their traditional pu

risk every time a loan is made by the ex-im bank, but the taxpayers are systematically being undercompensated for that loan. the pricing on these loans are necessarily not reflective of the full risk to the taxpayer. how do we know that? because if they were fully pricing in the risk, then the ex-im bank wouldn't have a competitive advantage over the private banks that would be more than happy to finance exports. in fact, the ex-im bank exists for the purpose of subsidizing these exports. and they do it in the form of -- the presiding officer: the senate will come to order. a senator: they do it in the form of consciously underpricing the loan. mr. toomey: so the taxpayers do not get a market compensation for the risk that they take. that's just the reality. that is the nature of the ex-im bank. i would also point out that we had an inspector general report, an ex-im inspector general issued a report in september about some of the issues they discovered in the management of the ex-im bank. they recommended that the ex-im bank undergo stress testing. we require this of all the big private fina