But I think it is safe to say Senator NELSON and I and others believe if you cut further and you diminish the competition in the marketplace. you have now diminished the opportunity. not just the educational opportunity but the economic opportunity. of the next generation. I dont necessarily agree with the philosophy that if we get it wrong. there is a Government Direct Loan program to service them regardless. and they will access loans. they will access it through a program that does not eliminate the origination fee. that does not discount the product. is at least a percentage point or higher. because they have no competition. it is not user friendly. it is not responsive. its application process is not predictable. It sounds a lot like the visa process for people in the United States. for people on the outside looking in. But the reality today is we need a system that every student and every parent understands. I have two children in higher education.