Oh, I know, haha, and I do count myself lucky. Very very lucky... in fact sometimes I wonder if I used to eat four-leaf clovers as a small child... anyhow, I should also point out that I also don't owe the government of Canada anything either. No military service or repayment of any kind. But I had a roommate that used up his "3-strikes" so to speak, so he did all of his training privately. Sure he got finished everything super quickly, but I think he ended up being 90 grand in the whole when everything was said and done. I think that's about the average, and it sucks.