We did not bail out at six, eight, 10 months. We finished the year. We accomplished what we set out to do.

What we need is to get six or eight months of receipts before we get some feel for whether we have a problem,

Every single contract ended at the end of the year. Nobody pulled out of a contract. Everyone is happy.

For the underclassmen, you get to live for six or eight months in the Top 20. And for the seniors, you get to live it for the rest of your life. It's pretty significant.

A year ago, it was not that difficult to predict six months in advance where they were going to be. That's going to be harder when you are at 5 percent and you think the economy is going to be weak enough to get them to cut rates.

Some of them don't make it. Everybody thinks you can be Chad Hedrick in six months or a year.