David Braddock: Regardless of what you may think about the institutional model, whether it's appropriate for some people or not, would you recommend a model if it were a stock? Just look at the direction that this is going. (Laughter) Would you say that you think your children could perhaps use this stock to go to college in twenty years if they were to sell it in twenty years? Can you really be secure and safe in an environment where, even it there is value in institutions to some extent, it's still declining rather substantially, even in Illinois.