Jack Reed actually said...

I think in the comments, some of these choices are harder than others, it seems, on campus.

So, the choice is either let the student decide or, if you are deciding for the student, you have to do it in the best interest of the stude...

Is not the solution--at least in concept--to require the school, who is the intermediary, to act as a fiduciary for the student, that----

We have seen some progress, but there have been variations regionally.