Patrick Murphy

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Speaker, I support passage of H.R. 160, the Protect Medical Innovation Act of 2015. While I strongly believe the bill should be paid for before becoming law, this bill is a great first step of furthering the promise of the Affordable Care Act, a law that will cover 32 million lives when fully implemented. The Affordable Care Act has created jobs, lowered costs, and significantly expanded coverage, as it was designed to do. It did away with bans on preexisting conditions, allowed young adults to stay on their parents' plan, eliminated annual and lifetime limits, and is closing the Part D prescription drug donut hole. As the law continues to improve the lives and health security of the American people, I will look for ways to improve the law. No law is perfect. That is why I support the Protect Medical Innovation Act and have cosponsored other pieces of legislation designed to keep consumers from feeling the hit of unintended consequences. Congress should look for ways to create jobs, lower costs further, and encourage states to accept Medicaid expansion, which will cover an additional 800,000 working Floridians. I am hopeful that with a strong vote in the House of Representatives, H.R. 160 will soon arrive at the President's desk, fully offset, to be signed into law.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Chairman, I have an amendment at the desk.

Mr. MURPHY of Florida. Mr. Chairman, I rise to offer the Murphy, Castor, Jolly, Posey, Clawson, Graham, DeSantis, Ros-Lehtinen, Grayson, Buchanan, Hastings, Wilson amendment to block the use of seismic airgun testing off of Florida's coast. As you can see from the list of cosponsors, offshore drilling is not a partisan issue in our State but an economic issue. Florida is a unique place that depends on healthy beaches, clean waters, and a safeguarded environment. The seismic testing that the administration has proposed puts all of these things at risk. First, seismic airgun testing can be harmful to undersea mammals like endangered whale species and dolphins, disrupting their ability to communicate and navigate. It can also have negative effects on sea turtles, such as the loggerhead sea turtle, that have key nesting grounds along the Treasure Coast and Palm Beaches in the district that I am so proud to represent. This testing practice can also disrupt fish migratory patterns that could have significant impacts on fishermen in Florida. Second, seismic airgun testing is the first step in the wrong direction to opening our pristine shores to offshore drilling and to the threat of devastating oil spills. Florida has more coastline than any other continental State in the United States, and our economy depends on healthy beaches. I was proud when former Governor Jeb Bush and Florida's congressional delegation actually came together and fought to block drilling off Florida's coast, and now I am proud to join my many Florida colleagues to block this administration from putting special interests over the economic and environmental needs of our State. Whatever your party, Floridians protect their environmental treasures at all costs. As residents on the Gulf Coast are too well aware--and as I have seen firsthand myself--oil spills can devastate our environment and our economy up and down the coast. Twenty cities throughout Florida have passed resolutions proactively banning seismic testing because they know it is a rotten deal for our State. I urge my colleagues to support this amendment. I reserve the balance of my time.

Mr. MURPHY of Florida. Mr. Chairman, I certainly do appreciate the chairman's hard work on this bill, and many Members of Congress who are supporting this in a bipartisan manner. In Florida, it is pretty clear to see, based on the cosponsors of this bill, that this isn't a partisan issue. I would like to remind the chairman that regardless of how far offshore this is, what really matters is the infrastructure onshore. You could talk about these sites, it doesn't matter how far offshore. The fact is, you are going to have to have infrastructure there onshore that really starts to impede with our economy, whether that is the beaches, whether that is the tourism, whether that is the fishing industry. So there is a lot more to it. But I do respect the chairman's hard work on this bill. I yield back the balance of my time.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Speaker, I rise today as we approach the deadline of negotiations with Iran to stress that any agreement must unequivocally guarantee that Iran cannot obtain nuclear weapons. While a diplomatic solution is the ideal method of stopping Iran's illicit nuclear weapons program, we owe it to the American people of this country to end up with not just a good deal, but a great deal. A great deal means giving inspectors robust access to nuclear facilities to promptly verify compliance. A great deal means Iran acknowledges the full extent of its nuclear weapons program. A great deal would remove tools that could leave Iran with a pathway toward nuclear weapons and provide a long-term solution. Finally, a great deal phases in sanctions relief so we aren't rewarding Iran for deception and noncompliance. A nuclear Iran is one of the greatest threats to the United States; our greatest ally, Israel; and to regional stability in the Middle East. I cannot stress enough how important it is that Iran must not, under any circumstance, be able to obtain a nuclear weapon.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Chair, during rollcall vote No. 305 on H.R. 2577, I mistakenly recorded my vote as ``no'' when I should have voted ``yes.'' Vacating Proceedings on Amendment Offered by Ms. Esty

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Chairman, I have an amendment at the desk.

Mr. MURPHY of Florida. Mr. Chairman, I want to thank the chair and ranking member for their extremely hard work on the underlying bill and their ongoing commitment to Everglades restoration. I rise because, at this very moment in my district in Florida, toxic blue-green algae is threatening the environment in our area. The amendment I am offering, along with the gentleman from Florida, Mr. Clawson, will enhance the Army Corps' environmental restoration efforts in south Florida and help put a stop to this vicious cycle once and for all. The Everglades watershed stretches as far north as Orlando, where runoff eventually flows into Lake Okeechobee. Due to rapid development, the natural flow of water from north to south in the system has been severely disrupted, and we are inundated with freshwater discharges that harm our communities to the east and to the west of the lake. Meanwhile, Florida Bay desperately needs freshwater to restore its natural ecology. However, moving clean water south to restore the entire ecosystem is no small feat. I had the chance to explain to President Obama last week on his first trip to the Everglades how freshwater discharges are hurting our community while freshwater is desperately needed in the Florida Bay, and how critical the Everglades restoration efforts are throughout the whole system. Supporting the Corps' ongoing work in the Everglades is key for water quality in the Caloosahatchee River watershed, which includes Ft. Myers and Cape Coral, the St. Lucie River watershed in the Treasure Coast and Palm Beaches that I represent, and throughout Florida. Right now, a toxic blue-green algae bloom pictured here is threatening waterways in the most biodiverse estuary in all of North America. When toxic blooms hit our water, health advisories like this are posted--right here--warning people do not touch the very water that is the center of their livelihoods. Supporting the Corps' Everglades work can help move restoration projects closer to completion, like the C-44 reservoir in Martin County, which will help hold water back from further harming the local population and ecologically fragile areas. This is not the first time I have come to the House floor to address this issue. Every year, our communities face this same threat. And to the people that I represent, it is unsustainable, and it is time to stop this before lasting damage is done. I, along with many people committed to protecting our water and our community, will not rest until the health advisories posted along our rivers and estuaries disappear once and for all. These aren't just our precious Everglades in Florida. This ecosystem is America's River of Grass with no place like it in the world. It must be protected at all costs. I urge my colleagues to support this amendment, and I yield the balance of my time to the gentleman from Florida (Mr. Clawson), who has been a tireless champion on Everglades restoration.

Mr. MURPHY of Florida. Mr. Chairman, I yield back the balance of my time.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Speaker, I rise today to honor 22 high school seniors from the Treasure Coast and Palm Beaches of Florida for their admirable decision to enlist in the United States Armed Forces following their graduation this year. Of these 22 enlistees, three are Air Force enlistees, four are Army enlistees, three are National Guard enlistees, eight are Marine Corps enlistees, and four are Navy enlistees. These young men and women have demonstrated a tremendous sense of bravery and patriotism in their commitment to defend our nation. Therefore, it is important that they know they have the full support of the United States House of Representatives, the American people, and their communities. The dedication of these individuals reminds us that in the face of a diverse set of challenges, the United States remains an example of freedom, justice, and perseverance throughout the world. The service of these young men and women must not go unrecognized, and so I want to personally thank these 22 local graduating seniors for their commitment to our nation and their selflessness by naming them here today: Ricky De Los Rios, Andrew Hendrix, Justice Cooper, Bradley Monk, Carlton Morgan, Thomas Sebastyn, Jr., Nicholas Gunther, Cameron Manochi, Adrian Coomes, Nicole Harrison, Daniel Gonzalez, Jose Rivera, Blake Ashworth, Mikelli Dorcius, Marcelo Aguirre, Justin Lalonde, Joseph Venuti, Michael Garrity, Blake Boyle, Breanna Reinhardt, Dylan Samons-Knight, and Husani Sylvester. All will be recognized on May 4, 2015 at the Our Community Salutes event in West Palm Beach. Mr. Speaker, we owe a debt of gratitude to each and every one of them and to all who commit to defend our great nation by serving in the United States Armed Forces. That spirit of service and sacrifice is something we can all be proud of. For this reason, it is my honor to recognize these young leaders here today.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Speaker, last month, 18 members of the Independent Haitian Assembly of God congregation from my district in Florida were involved in a fatal bus accident while traveling home from a church congregation. The accident left 10 individuals with severe injuries, and 8 members of the congregation were fatally wounded. This weekend, our community will join together to lay them to rest, but I want to take this opportunity on the House floor today to honor those victims who perished. As it often happens in times of tragedy, our community has come together to support the entire Independent Haitian Assembly of God community. Our hearts go out to the victims of this tragedy, to their families, and to this entire community. Mr. Speaker, I submit for the Record the names of the victims who died in this terrible accident. Victims of the Independent Haitian Assembly of God Bus Accident Volsaint Marsaille, 58, of Fort Pierce; Judge Petit-Frere, 66, of Fort Pierce; Obernise Petit-Frere, 58, of Fort Pierce; Lifaite Lochard, 58, of Fort Pierce; Madeleine William, 53, of Fort Pierce; Wanie Larose, 60, of Fort Pierce; Dazilla Joseph, 79, of Fort Pierce; Servilus Dieudonne, 71, of Fort Pierce.

Mr. MURPHY of Florida. As a Representative from this area, I offer my heartfelt condolences to the families of the deceased on behalf of every Member of this body. Our community is strong, and we stand ready to support you as you lay your loved ones to rest.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. I thank the gentlewoman from Colorado (Ms. DeGette) for yielding and for her advocacy and work on this issue. Today, on the anniversary of Roe v. Wade, which changed history for women in America by allowing them to control their own bodies, I rise against the effort to roll back these rights. Though we have come a long way in the last 42 years, some politicians want to undo this progress and restrict access to critical medical procedures women may need. Why have we been debating whether the government should seize control over women's health decisions when the American people want us to work together to create good-paying jobs, balance the budget, and raise the minimum wage? Instead, this Chamber is wasting time with a divisive argument about whether the government should jeopardize a woman's access to medically necessary procedures. Politicians are not medical experts, and we should not deny a woman the ability to make her own decisions with those she trusts the most. I ask my colleagues to focus on the economy instead of spending time on bills that divide this House and this country.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Madam Chair, on rollcall No. 31, had I been present, I would have voted ``yes.'' Amendment No. 4 Offered by Mr. Salmon

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Speaker, a few months ago, I stood here on the House floor to speak out against the troubling surge in global anti-Semitic demonstrations that followed the latest confrontation between Israel and Hamas terrorists. Crimes ranged from the desecration of synagogues and other Jewish institutions and businesses, to murders and acts of violence and terrorism against Jews. At that time, I had just led a bipartisan coalition of over 70 Members of Congress in speaking out against the rise in anti-Semitism and calling on the United States to continue to be a global leader in combating such acts of hatred wherever they occur. The United States must lead by example which is why I am proud this body has continued to condemn anti-Semitism and support efforts to combat such actions. With little agreement between the parties and Congress currently, I have been proud to see continual bipartisan cooperation on this issue that not only impacts Jews, but all ethnic, religious, and minority groups; unfortunately, with anti-Semitic violence and incitement continuing to increase dramatically, leading by example is not enough. That is why I have joined with my good friends, the gentlemen from Florida, Mr. Deutch and Mr. Diaz-Balart, and the gentleman from Ohio (Mr. Johnson) in leading over 80 of our colleagues from both sides of the aisle to urge the United Nations to take decisive action against anti-Semitic attacks globally. It is beyond troubling that across the world we are seeing anti- Semitic rhetoric being circulated widely on television, radio, and the Internet and that there are even national political parties that openly espouse racist views. Even more troubling is that these hateful actions are taking place in many of our fellow member states at the U.N. The United Nations must join the United States in taking actions to encourage member states to become global partners in combating anti- Semitism, which poses a severe threat to international peace and security. The U.N. can stem the surge of anti-Semitism through a variety of methods, including raising awareness of the global prevalence of anti-Semitic attitudes. The U.N. should urge the adoption, implementation, and enforcement of strong hate crime laws. Hate crime laws demonstrate that a society will not tolerate unlawful actions motivated by bigotry and that minority and ethnic groups are valued members. It should also encourage countries to expand education on diversity and tolerance because it is crucial that children are brought up in an atmosphere of inclusion and taught the significance of valuing individuals of all backgrounds and religious beliefs. Additionally, the U.N. must encourage heads of state to forcefully speak out about the dangers of anti-Semitism which can create an environment where violence and escalating tensions can grow and impact all communities. I thank all of my colleagues in this body who continue to stand up against such bigotry and violent acts of hatred, both here at home and abroad, as we continue to enlist others in our international community to promote freedom and equality under the law. I also want to thank the local Jewish community relations council in my district which recently held a community forum on addressing anti-Semitism. This is a conversation that must be held in every community across our Nation and around the world. I hope to see the United Nations and all member states join us in expanding this dialogue by denouncing such actions and taking decisive action in their own countries to halt these hate crimes and acts of hatred. Only by working together across party lines and across the globe can we successfully eradicate such hate in our world.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Speaker, I have a motion to recommit at the desk.

Mr. MURPHY of Florida. I am opposed in its current form.

Mr. MURPHY of Florida. Mr. Speaker, this is the final amendment, which will not kill the bill or send it back to committee. If adopted, the amended bill will immediately proceed to final passage. Mr. Speaker, my amendment would shield the unintentional victims of the bill before us, namely, military families, survivors of domestic violence and exploitation, and the Cuban people fleeing the brutal communist regime of the Castros. First, the amendment would preserve the government's policy of protecting undocumented parents, spouses, and children of military personnel from deportation. After the Pentagon heard from many servicemembers who feared for the safety of their families back home, U.S. Citizenship and Immigration Services instituted a parole in place policy for respecting military families, supporting military readiness, and honoring our commitment to those who serve our Nation so bravely. Mr. Speaker, is parole in place for military families such an abuse of power? Surely, the majority of this House wants our brave men and women serving on the battlefield to be able to focus on the mission and not fear that their families will be taken from them. The slogan ``support our troops'' must at least mean that. Next, my amendment would protect the victims of domestic violence, abuse, and severe human trafficking. We know a willingness to come forward and cooperate with law enforcement can break the cycle of violence and make justice possible for the real criminals. USCIS developed a program to give victims of incredible violence temporary U visas for abuse and T visas for trafficking. In 2010 alone, nearly 12,000 of these visas were given out so victims can come out of the shadows. What is it about visas for abuse victims that so enrage some in this Chamber? American women deserve better than a policy that threatens to deport the victim while their abuser simply walks free. That is why the National Task Force to End Sexual and Domestic Violence Against Women wrote that this bill ``broadly sweeps large numbers of victims into its scope and ignores the best interests of victims and their children.'' Finally, this motion would preserve our country's longstanding practice of granting parole and, ultimately, green cards to Cuban nationals. Those who escape the clutches of the nearly 56-year-old communist dictatorship yearn for the freedom they are so brutally denied just 90 miles from our shore. To this day, Cuban democracy activists, including Las Damas de Blanco, remain subject to arbitrary arrest, beatings, and imprisonment. Without the protection spelled out in my amendment, fleeing survivors of the Castro regime are denied a chance at freedom and deported. Is that what we want? Growing up in south Florida, I can tell you that the cultural richness of the great State of Florida does not exist without Cuban American immigrants, many of whom escaped with nothing more than their lives. To my friends across the aisle who call this a ``process'' argument, let me say, if this House had done its job, we wouldn't face a process question in the first place. You want a better process? Pass a bill. Dispense of this measure before us and bring up H.R. 15, a real immigration bill from the gentleman from Florida (Mr. Garcia). It will reform our broken system, secure the border, create hundreds of thousands of jobs, and reduce the deficit by nearly $1 trillion. It has got the votes. We can make it the law by Christmas. The American people asked for immigration reform, and this body voted to half secure the border and deport DREAMers. Now we are looking at ripping apart military families, prosecuting the victims of domestic violence and human trafficking, and sending Cuban refugees back to the brutal hands of the Castros. I urge my colleagues, don't let this be the story of the 113th Congress. Pass this motion to recommit and defeat this mean-spirited bill before us. I yield back the balance of my time.

Mr. MURPHY of Florida. Mr. Speaker, on that I demand the yeas and nays.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Speaker, I thank the gentlelady for yielding and for her hard work on the legislation. I rise in support of reauthorizing the Native American Housing Assistance and Self-Determination Act. Communities are built upon access to safe, quality, affordable housing, but for many of America's great tribal nations, bureaucratic red tape has restricted tribes' abilities to make the most of scarce Federal housing dollars. While Native Americans face some of the worst housing and economic conditions in the country, this is simply unacceptable. Giving control of housing grants to tribal nations just makes sense. In addition to providing housing, the Miccosukee Indian Tribe of Florida preserves tradition, fights to protect the Florida Everglades, and works to develop the Tamiami Trail Reservation, using the flexibility NAHASDA provides to grow native-owned construction and building material businesses. I thank the gentleman from New Mexico (Mr. Pearce), chairman and ranking member of the committee, and the tribal leaders for their work on this important bipartisan legislation that provides much-needed reform to keep our Nation's promise to tribal nations and strengthen their communities. I urge my colleagues to support this bipartisan legislation.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. I thank the gentleman for yielding. Mr. Speaker, I support the bill before us and appreciate the hard work of my colleagues to bring it to the floor. Today I join my colleagues in speaking in support of reauthorizing the National Estuary Program because our local economy on the Treasure Coast and Palm Beaches rely on healthy water. This important program helps protect and improve some of our Nation's most at-risk waterways, including the Indian River Lagoon located in the district I am proud to represent, which has been devastated by toxic algae in recent years, negatively impacting not only the health of this unique ecosystem but also our local economy. The National Estuary Program funds local projects that help improve water quality, protect threatened species, and coordinate local agencies to respond to other urgent needs. In our own backyard, these projects include wetland restoration, shellfish rehabilitation, freshwater discharge management, and other approaches that benefit the health of our local waterways on the Treasure Coast and across the Nation. I am very pleased to see a competitive award program included in this bill that I proposed, along with the gentleman from Florida (Mr. Posey), to help estuaries most at risk where reoccurring harmful algal blooms, sea grass loss, and invasive species are threatening the fragile ecology of these important water systems. I hope my colleagues will continue to support this effective program not only because of its benefits to sustaining important estuaries across the country but also due to the urgent need to address the serious problems facing many of these waterways, including the Indian River Lagoon, the most diverse estuary in the United States. Mr. Speaker, I thank the House for coming together and acting so swiftly to reauthorize this bipartisan and cost-effective bill that is necessary for our country's coastal ecosystems and the economies that rely on their well-being. I hope the Senate will act expeditiously to do the same.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Madam Speaker, I rise today to speak out against the alarming surge of anti-Semitic demonstrations across the globe. Sparked by the latest confrontation between our greatest ally, Israel, and Hamas terrorists, synagogues and Holocaust memorials have been vandalized, Jewish stores have been attacked, Israeli products have been boycotted, and the Israeli and American flags have been desecrated and emblazoned with swastikas. These cowardly acts are in direct contrast to our democratic values of freedom, liberty, and equal justice under the law. With a frightening number of such despicable acts being reported across Europe and Latin America, our Nation must continue to speak out in condemnation of these demonstrations. We must also be a global leader in stopping the surge of anti- Semitism, making it clear to other nations that such intolerance and hatred have no place in our global community. By allowing anti-Semitism to flourish, nations risk fostering an environment in which violence and escalating tensions can grow and impact not only Jews but all religious, ethnic, and other minority groups. That is why I am proud to be working with my good friends, Mr. Diaz- Balart and Mr. Deutch of Florida and Mr. Kingston of Georgia, in leading a bipartisan coalition of over two dozen Members of Congress and calling on the United States to continue its efforts in combating anti-Semitism, especially in the wake of this troubling rise in such demonstrations. I also want to commend our local Jewish community relations council for their leadership on this crucial issue which remains at the forefront of our community. Partnering with several other local and national organizations, all well-respected for their work on combating anti-Semitism, they will be hosting a forum in the district I am so proud to represent regarding this growing crisis. I applaud their continued work standing up against bigotry and raising awareness, both at home and abroad, of the threat of rising anti-Semitism. Madam Speaker, we must continue to work together to stem the rise of anti-Semitism wherever it occurs and help foster an environment more conducive to long-term peace throughout our global community.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Mr. Speaker, I rise today to honor Nicholas Cocoves, who has recently achieved distinction as an Eagle Scout. To become an Eagle Scout, one must design and complete a service project that will benefit their surrounding community. For Nicholas's project, he honored American veterans by installing a bench, flagpole, and plaque in front of the Historic Crary House in downtown Stuart, Florida. Not only will the site serve as a beautiful welcome feature for visitors, it will enhance our community by serving as a constant symbol of reverence and gratitude for those who sacrificed their lives for our country. The site will be dedicated to veterans who are Purple Heart recipients and revelation of the site will take place on August 6, the day before National Purple Heart Day. Creating the veterans site was also a part of Nicholas's project to make Martin County a Purple Heart county and Stuart a Purple Heart city. I commend Nicholas for his dedication and commitment to obtaining this prestigious rank and I applaud him for his leadership and community service.

Mr. MURPHY of Florida

Mr. MURPHY of Florida. Madam Chair, I have an amendment at the desk.

Mr. MURPHY of Florida. Madam Chair, I rise today to support giving students and families the resources needed to make informed decisions about both their education and their finances. I want to congratulate the gentleman from Kentucky (Mr. Guthrie) for his great work on this bill. I also want to thank the chairman, Mr. Kline, and Ranking Member Miller for working in a truly bipartisan process on this legislation to provide students with commonsense, personalized financial counseling about one of the greatest investments a student can make: their investment in their own education. I strongly support the underlying legislation and offer this amendment as a complement to better inform students about not only the costs, but the benefits of completing their education. With tuition rates quickly outpacing grants and scholarships, American students and their families increasingly rely on student loans to access higher education. Coupled with increased enrollment, student loan debt has ballooned to more than $1.2 trillion--greater than credit card debt, for the first time in history. Last summer, we came together to pass bipartisan legislation which decoupled student loan interest rates from the whims of Washington and provided students and families the certainty needed to make long-term plans for the future. The bill before us today continues that mission by giving students the information they need to understand the rights and responsibilities that come along with investing in their higher education. For many students, these loans are their first and often most costly experience as a borrower. Failing to provide students with the information they need to make responsible decisions and manage their debt does not just impact the delinquent borrower, but also the taxpayers. Similarly, having students understand both their monthly and lifetime costs of debt they are accruing will enlist students in the fight to get student loan debt under control. That said, despite mounting debt, a college degree is still generally one of the best investments students can make. For example, the average income for young adults with a bachelor's degree is just over $50,000, with only 4.9 percent unemployment. The dropoff for individuals who do not finish is steep, around $13,000 per year of income and a much higher unemployment rate of 7 percent. We do not want students failing to complete their degree simply because they fear taking out additional loans. That is why I am putting forward this reasonable amendment to improve the underlying legislation by simply adding the inclusion of income and employment data for different levels of educational attainment. This information would strengthen the counseling required by improving students' perspectives as they take charge of their future and their finances. Madam Chair, this major potential earnings reduction, combined with hefty student loans in repayment, is a recipe for financial disaster. That is why it is so important that students and families have the full picture when making decisions regarding investments in higher education, as the underlying bill offers. I urge my colleagues to support this simple yet important amendment to make sure students can make the best decision possible while understanding the full impact of student loans they take out. I yield back the balance of my time.