If Congress did increase the cap on member loans--you just testified that only about 300, I think, credit unions are close to the cap.

Those are also efforts that I think need to be supported by Race to the Top and the other work here because that alignment is critical.

I think that if you look at the goal of the Race to the Top--Early Learning Challenge, it is to get a higher percentage of children in--a higher percentage of low-income children in higher quality programs.

I would encourage you to look at that program if you haven't.

I believe we have to go back earlier than that. I think this is a zero to five issue, but we are moving, I think, in the right direction.

I would like to see your title shortened--

But the poorer you are the larger your subsidy and the higher quality the program is the larger your subsidy.

We think we have a lot to learn from the States.

Thanks to an amendment by Senators Sherrod Brown, Bennet, Franken and Mikulski, the Bureau will include a Private Education Loan Ombudsman.

I would be interested--we do not need to do it today, but if your staff knows of models of places that have done four of those things well or some combination of those things particularly well, I think it would be interesting to us in…

I think that is exactly the right thing to do.