DEAN SPENCER – That’s right…a senator is proposing that student loans be given the same rate that big banks get from the fed. “Every single day, this country invests in big banks by lending them money at near-zero rates. We should make the same kind of investment lending money to students, who are trying to get an education.” What do you think ACD? Is the investment in higher education as important as the investment in big banks? Should we be offering the same rates?