Tag Archives: TX

Expanding ESSA

Anti Fed Ed Warriors,

Just when we thought ESSA (Every Student Succeeds Act) couldn’t get any MORE nanny-state like, a new House of Representatives bill comes along to blow that right out of the water. I’m talking about HR 804. As the language of the Bill introduces it, ‘to amend the ESEA (Elementary and Secondary Education Act of 1965)’.

monopolists

Why does DC continue to refer to ESSA’s former name and not use its current one? The answer is simple, everything in ESEA was codified in ESSA’s ‘update’, so that means every bit of NCLB (No Child Left Behind), RttT (Race to the Top), and everything which binds it all up in one stinky package is STILL in place!

HR 804, Transition to Success Mentoring Act:
(Bill link)
As the summary states it, Warriors, this Bill will give grant money to eligible groups to establish or expand school based mentoring for ‘at-risk’ middle school students heading to high school.  Sounds great, right? Look between the lines, my friends.
a) ‘At risk’ is the ESSA/ESEA label for any student outside a government determined set of parameters.
b) ‘At risk’ is nebulous on purpose. It’s a back door way to ensnare homeschool students, students who don’t fit in, students who are homeless, and so on.
c) ‘Eligible groups’ doesn’t mean at school, it means any of the ESSA/ESEA mandated P3s (public private partnerships) which qualify for predetermined government assigned parameters. Look at some of the after school groups and their ideals/morals. Are these really the people you want mentoring your child? Why is the government overreaching into the middle school to high school transition, anyway? Those sensitive years should be the parents responsibility, NOT the federal nannies!
d) “Mentoring” is a safe word for behavior interventions and mental health overreaches.

Think I’m overreacting? Let’s see…

This mentoring bill is sponsored by Rep. Carson (IN). It has 3 co-sponsors, Soto (FL), Moore (WI), and, Norton (DC). Below, is a screen shot of Rep. Carson’s website statement on education.

carsonhype

(Source)

Warriors, if you are curious, Mr. Carson’s 2nd top campaign donor was Eli Lilly and Company. Eli Lilly has a powerful lobbying effort in DC for all kinds of health related items, including well adjusted youth. If you’d like to read up on the Eli Lilly Indiana SEL (Social Emotional Learning) mental health/mentoring grabs, visit their “Strengthening Students’ Pathways” page.

**Warriors, this isn’t the first time counselors have been assimilated into the CCSS Machine. Before Pres. Obama left office, he started the School Counselor alignment through an initiative which was to use these school staff members as salespeople for workforce aligned career tracks.

Why bring that up now? The ESSA re-authorization of ESEA mandated that ALL education be aligned to post-secondary readiness for workforce aligned education. The SEL shift we’ve seen plays right into the ‘readiness’ in several ways. Especially under the guise of forcing students to be emotionally ‘ready’ before they naturally mature. ESSA also handled this shift in a variety of other mandates, specifically expanded school staff for behavior management and mental health services.

Mentoring falls under BOTH of these categories!!

 

HR804

What Else HR 804 Does:

Warriors, from this 10 page bill, if made into federal law would use an increased amount of taxpayer funds for ‘prevention and intervention’ for students who are ‘at risk’, ‘neglected’ or/and ‘delinquent’.

Side Notes:**Since more and more States are having to dance to the federal ESSA tunes, this is where home education will be hit hard. How? States are introducing legislation to classify homeschoolers as ‘neglected’ or somehow ‘at risk’. IL has HB 3560; PJMedia also has a report on this Bill. Be sure to read the article and comments. NV reports some dire issues with freedom to homeschool there; IL has a 2nd bill which will lump homeschoolers into the CCSS Machine, then there’s CA. (The NV report will include some information on the CA overreaches.) GA is also considering clamping down on home education. TX is pushing an entire mental health hub system for ALL students via SB 10 and HB 1448. MN has a record 6 bills which seek to rip families apart with all the mentoring/mental health birth to 5 overreaches.

As you can see the WHO’s idea of mental health overreaches mirrors that of America’s!
globalmental

 

*Federal Bill HR 804’s price tag is $50 million for FY 2020 alone. Fiscal years after that will be as much as Congress believes mentoring needs.
*As usual, Congress has created a bill, that if turned into law, gives the Secretary of Education MORE power.
*Any group (including a school) must submit an application to receive grant money. Anything the Secretary deems necessary, as far as information (aka: data), applicants must supply.
*Awarded grants MUST be used in mandated ways as laid out in HR 804:

 

*HR 804 allows for hiring coaches, but doesn’t say what limitations or requirements these coaches are to have.
*Grants are to be used for 5 years or less.
*Reports of what number of students, their academic data, how many hours were spent between Coaches and their students, and anything else the Secretary of Education deems as necessary to evaluate ‘success’. By the end of the 3rd fiscal year, the Secretary must pass data to the Congress. By the end of the 5th year, Congress will make a final report.
*“At risk students are defined by grade point averages (2.0 or below) or has been deemed as ‘at risk for academic failure’ by parents, teachers, or other educational ‘experts’. At risk extends to those who want to drop out, may have substance issues, be pregnant, been in trouble with the law, is a parent, doesn’t speak English well, is a gang member, or has been absent from school repeatedly. (a full description of ‘at risk’, eligible groups, are on Pages 7 and 8)

* Success Coaches are defined as anyone in school administration, from a community-school partnership or volunteer who wishes to serve. Service includes training and support. The training is to be at a minimum of 2 hours, have a screening (includes background check, child abuse, and job references).

Warriors, do you have as many warning bells going off in your heart and head as I do?

globalmental

Closing:

As one of my dear anti Fed Ed Warriors, in ID has stated, this battle is ours to lose. We MUST speak out. Our naturally given parental responsibility as our child’s BEST mentor is under attack! Our naturally given parental choice to home education is also under attack. Will we remain passive while Rep. Carson backed by Eli Lilly;  while TX, GA, IL, NV, CA and other States ursurp our power to nurture our children.
HR 804 expands ESSA in harmful ways. We cannot allow this.

prodparent
Parents!! Please…STOP HR 804 Please STOP your States!

By Degrees

Anti Fed Ed Warriors, Anti Global Ed Warriors, and concerned Americans everywhere:

You’ve seen massive amounts of research exposing the continued push to have American education become the United Nations’ (UN) education. The main way this has been accomplished so far (and will increase in use) is STEM/STEAM/STREAM.

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STEM, by way of Common Core..and not in a distant galaxy.

No matter how many letters are added to STEM (Science, Technology, Engineering, and Math), it is ALL directly from the United Nations and their SDGs (Sustainable Development Goals). If you have a family member, friend, associate, or neighbor who needs to see the many connections proving this, I’m embedding a general link to all my articles on STEM/STEAM/STREAM. (*Note: there are several pages of articles, so take some time to scroll through them to find exactly what may be needed.)


Some “New” STEM Evidence:

Warriors, in doing some research, I found a Fall 2015 article we need to know about.  It’s called  The Emerging 360 Degree Model for Global Citizenship Education”.

Before we look at the ups and downs of this research, take a look at how you and I should ‘stack up’ as global  citizens:

globalcitizenchart
(You can open the image in a new tab to see it bigger if needed. You may also use the zoom feature on your computer’s tool bar.)

Warriors, to have an image like this, we need to understand experiments were conducted with students to gather the data to create a visual result!

Where were the experiments based out of? Boise State University in Boise, Idaho.
How connected to the UN is Boise State University? Very!
Model UN Assemblies are the tip of the global iceberg.
BSU is also a member of the AASCU (American Association of State Colleges and Universities) which is a UN Partner in Education.
If you’d like to see other BSU STEM related research, go here.

BSU, like many universities and colleges, has international partners for exchange programs/students.
(*Note: when you access the embedded link ‘member’ look on Page 7 for the mention of KY’s “Core” Standards for PreK to 12th data mining.)

Below, is a screen shot from BSU’s Institute for STEM.

BSUstem

The 2015 Report’s Language:

Page 1: STEM will ‘offer tremendous opportunities’ for solving global poverty and improving health care. Warriors, STEM certainly will because STEM is the way the SDGs (Sustainable Development Goals) are carried out in education!
SDG #1 is “No Poverty”, SDG# 3 is “Good Health and Well Being”. Look below to see what else Page 1 stated:

emerging360
You’ll also see (on Page 1)  P3s (public private partnerships) are stressing we need to become global. Especially the P21 (Partnership for 21st Century Skills), which is most definitely a CCSS Machine member group.

Page 2: Reveals it’s imperative we educate students for globalization. Why? They can better understand the world. If they understand the world, they can fix the world’s problems. From Page 2 into Page 3, why health care needs to become STEM oriented. (It already is via the Career Clusters from Common Core.) (*Note” the embedded short video you’ll find when you click on “Career Clusters” is from TX, where the State supposedly didn’t have Common Core. However, TX had Common Core in the form of CTE, Career Tech Education and STEM.)

stempbl1
Make NO mistake: it has been a calculated plan for STEM and Common Core to be directly related.

Page 3: Global citizens can better economics for everyone, especially when they can ‘leverage collective assets’. You’ll find IPSL (International Partnership for Service Learning) also on Page 3. IPSL is a B Corporation (social benefit). B Corporations are usually big on social justice. Social justice is a huge component of the UN’s SDGs.
Many B Corporations are CCSS Machine members, too. (*Note: as an example, look at EFP (Education Funding Partners) ) Back in 2016, I exposed the AltSchool’s B Corporation status. Part of AltSchool’s classroom ‘setup’? Willy nilly style.

Page 4: the Global 360 Education Model is rigorous, progressive for real world problem solving. (Doesn’t this just sound like recycled pitches for Common Core?!)
Oh, also let’s not forget to overlook the ‘competency’ involved. You’ll see that on Page 4 as well.

Page 5: Global citizens should have ‘open minds’ especially while ‘actively seeking’. I guess the truth about having such an open mind leading to danger is lost in the CCSS Machine’s translation. “Preparing NextGen Leaders” also needs open minds full of STEM skills.

openbrain

Included on Page 5 of BSU’s research is the fact that in 2012, they partnered with Peacework. Peacework is a non profit global organization in full support of innovation (aka technology) and the SDGs. This non profit is based in VA and is 25 years old. (Be sure to see which educational and corporate groups are helping align Peacework to the CCSS Machine.

You will also see the Global Competency Aptitude Assessment is on Page 5 as well.
(*Note: the Global Competency Aptitude Assessment has a sister site for Global Competency Consulting. GCAA will be happy to help you can become a certified Globally Competent Practitioner.) The Consulting group’s goal is to prepare the global workforce.
globallycompetent

Warriors, here’s an excerpt from Page 5 about STEM and health-care,
” Within the context of STEM and health-science education, global competencies must include sensitivities to the social, cultural, political, ethical, and moral impacts of science, technology, and health-science and/or engineering-based global solutions (Conway, 2000; Currier, 2009; MBugua, 2010).”

Let that sink in for a moment. Who gets to decide which ‘sensitivities’ to include? Who gets to decide if these ‘sensitivities’ are in agreement with those being taught. As our government gets more and more STEM in our lives, we’ll see more legislation (like some I’ve recently shown you) where the families will have to kowtow to the government assigned health imperatives. (*Note: when you click on ‘you’, scroll down to the Mental Health in Schools Act section.)

citizenhealth
(The article where you’ll find the screen shot above.)

Pages 6-7 will detail how the learning process will shift to create global citizens. Four tools are used. Constructivism (where ‘critical thinking’ is inserted); interdisciplinary learning (where group projects are inserted); transformational leaders (where facilitating is used in place of teaching); and, international service-learning (think glorified indentured servitude). Helping put all this into action? International partnerships.

Pages 8 through 11 lay out the methods, findings, discussion, and conclusion of the Boise State University study. Be sure to read the comments made by the students.

Since the BSU Study:

Warriors, as far as BSU itself, the global citizen march lives on. Just like it is ramping up in every grade level, college or not. You’ll find global citizen courses for business, too.
Below is just a small sample of what’s out there.

globalcitsearch

To access the Council for Foreign Relations Report, visit here.
To access the Global Citizen Initiative’s Global Citizen Rights and Responsibilities page, that’s here. Also, here is an archived article I wrote featuring the Initiative’s scorecard on America’s push for global citizenry.
To see the course from Hong Kong, find that here. You’ll also want to click on ‘home’, where you’ll see Common Core in the upper right hand corner.
To see the Global Sourcing Council’s article on adhering to the World Economic Forum’s global citizen definition, that is here.

If you’d like to see the other World Economic Forum resources for defining global citizens, this one is from 2014 and appears to uphold the need to be global to help cut down on the cost of communications. In 2015, the conversation shifted to international ID cards and data tracking needed to ‘help’ global citizens. From March 2018, being global citizens means our ‘trust’ factor will be restored.

Warriors, according to this article ‘trust’ is the most important ‘pro-social’ attitude we can have. Since when did ‘trust’ become an attitude?! Trust, by classical definition is part of your moral character. I guess we can thank the CCSS Machine’s English Language Arts for destroying definitions.

The Shift To Global Ed In America Is Older Than You Realize:

Warriors, from 2016, my in-depth look at “My State in the World” where you’ll see MN, NC, MI, and, other States (as well as their schools) were compromised. This article features many resources from trusted Anti Fed Ed/Global Ed Warriors.

BScoutSTEM

GirlsSTEM

STEMlie
This U.S. elected official is not alone in her belief. What a waste of citizen representation.

stemprekwork
The website to access the data for STEM from pre-K to Workforce. http://www.nsf.gov/nsb/sei/edTool/explore.html

Closing:

Warriors, while we know this systematic take over of our education and lives continues, we also DO have a choice. Use the information to help others ‘wake up’. Since STEM has even infiltrated EVERY school choice, including home education, we must eliminate it from ALL curriculum, ALL community wide events celebrating it. We CAN teach each of these subjects without the UN’s influence!
STEM is NOT your friend, it is NOT America’s savior; STEM is a tool from enemies who do not love freedom.

 

stempipe

 

Global, Smobal?!

Anti Fed Ed Warriors, we know there are continued links between ‘federally led education’ and globally led education. We also know these ties which lie between education and our communities are deeply embedded. To that end, I’m using ‘global, smobal’. The “global” is self defining. The “smobal”? My take on ‘small town gone global’.

The manifestations of these ties are easily found in the UN’s (United Nations’s) SDGs (Sustainable Development Goals), as well as the American laws:
WIOA (Workforce Innovation and Opportunity Act of 2014), ESSA (Every Student Succeeds Act of 2015), HEA (Higher Education Act, currently being re-written), and any other law which combines any of the above.

Thanks to many Anti Fed Ed Warriors and many other Anti Global Education Warriors, we’ve been able to see what programs are being used to breed so much collectivism. As we know, the UN’s SDGs use education as the single most important ‘change agent’ to infiltrate our towns and cities. (Source for image below)

toolkitblurb

What do some of the activities look (or sound) like to bring the UN’s desired alignments to fruition? I have a few examples below:

Global, Smobal: Part One:

Warriors, recently I was in Georgia attending to family business. While helping out, I found myself in a doctor’s office where I picked up a local magazine. The magazine was all about the arts and culture of the area. As I was thumbing through the pages, I stumbled upon an article about a county at the opposite end of the State, where the citizens are finding Career Clusters as a great unifier for them.

One of the reasons this particular magazine was featuring the far away county? Since it appears to be such a great success in one rural area of Georgia, it can be an equal success somewhere very similar in another part of Georgia.

barrow
See how the local magazine’s writer ‘sold’ the Career Clusters Pathway alignment:

barrow2

(Source for the article, see page 99 and those immediately following)

To learn about the Georgia county featured, go here. Notice on Page 6, the amount of STEM (Science, Technology, Engineering, and, Math) aligned workforce education, as well as those ‘wonderful’ Career Clusters. Note that the County’s schools are charter ones. Notice among the community unifying buildings is a new innovative amphitheater. By sheer coincidence, the area I was visiting had just completed their new amphitheater.

Global Smobal, Part Two:

Also, in the same magazine, another article about a multi state effort to join businesses and education. This effort is geared more for adults than the previous article, where students are the main focus. To find that article, go to page 93 and those immediately following. Below, is a screen shot of one of the pages:

domistation

If you’d like to learn about the STEMIE Coalition, (STEMIE stands for ‘Science, Technology, Engineering, and Math linked to Invention and Entrepreneurship’) 
STEMIE is based in CT with leaders in CA, FL, GA, IA, ID, IL, MA, NH, OH, OK, SC, TN, and TX).
It was the AL based
Champion Network (link is in the above screen shot) which helped STEMIE Coalition get started. Visit STEMIE.

Warriors, the ‘global smobal’ here that this new type of business and education collaboration is a direct product of STEM. The purpose of the ‘teamwork’? Redefining how communities work.
Below is a screen shot of the early 2000s Tool Kit education-for-sd-tool-kit-fully-highlighted-1.

(*Note: this article is just one where I give you more context for the Tool Kit.)


sdgp67

As we know, STEM is a UN directive contained within the SDGs. The redefining of our communities? That’s straight out of the SDG Tool Kit. How does STEM tie to the Career Clusters? Read the ‘research’ behind STEMIE. The free K-12th grade curriculum for STEMIE? Aligned to the Common Core, Next Generation Science Standards and, is based off the PAST Foundation’s framework for education.

PAST Foundation is based in OH, but is an international group devoted to project based learning combining STEM and anthropology to prepare for 21st Century careers. PAST’s public private partnerships are what make this twist on STEM ‘work’. Warriors, as we know, the increase of P3s (public private partnerships) was a mandate of ESSA, the Every Student Succeeds Act.

globalkid

Global Smobal #3:

April 21st, 2018, my local town newsletter is advertising the Global Youth Service Day. According to the town’s information, this workday is the only one devoted to children (ages 6 to 18). What type of projects will be completed? Local service projects to benefit the collective community.

globalsmobalmville

If you want to see how sold out to the UN’s SDGs the YSA (Youth Servicing America) is, look below:

ysasdg

Warriors, if you access @YouthSDGs (Twitter), you’ll find a tweet where the 17 Sustainable Development Goals reveal 169 targets throughout them. You’ll also find how targeted our youth are to achieve the collectivism of  it all.

Remember, these are woven into education across America! Regardless of where you go to school.

youthsdg


More Global, Less Local:

Warriors, look below at this screen shot of the March 2018  ISO Technical Committee for Asset Management Systems Report on attaining the SDGs through good management of your organization’s assets. For our context, think your city budget and city employees:

moneymanagesdg

As if high-jacking the city budget isn’t bad enough, check out the SDG 2030 Board Game you can use to teach your kids! (*Note: you will be asked to register to download the game, board, dice pattern, and, questions. They will appear on your computer has zip files.)

sdgboard

Warriors, in what other ways are your businesses, towns and schools working together in these types of ways? What about the rural Americans? How are they being encircled? Look around you, my friends!

Closing:

Warriors, if you haven’t seen the connection of all the UN/SDGs and STEM to your country’s demise at the hands of the CCSS Machine, I hope this article has helped shed some light on the dastardly wicked deceptions going on in education. We are well on our way to being that ‘STEM nation with a STEM people for a STEM economy with STEM jobs’ for a global good which was inserted in America during the previous administration. Presently, no stopping this global dagger which pierces our hearts has been given by the current administration.

Anti Fed Ed Warriors: Heads Up!

This is an urgent call to the Anti Fed Ed Warriors out there. While the chatter heads are going on about the reasons why or why not it’s a good thing the U.S. Government is ‘shut down’, one thing’s for certain. As far as the educational overreach, it’s ‘game on, as usual’.

To what am I referring? S 615 (the U.S. Senate’s latest attempt to re-authorize and/or to amend the 1965 HEA, Higher Education Act). S 615 is being sponsored by the CO Senator, Michael Bennet. The Bill also has Sen. Marco Rubio’s (FL) backing.

phone call2

The Urgent Call:

Warriors, I’m calling your attention to S 615 as it’s the 2nd Senate HELP hearing for the Higher Education Innovation Act. It is scheduled to go on as planned for Jan. 25th, 2018, according those answering the phones at Congress right now. That’s the day after tomorrow! Appearing as witnesses: Dr. Joe May (TX), Dr. Deborah Bushway (MN), Mrs. Donna Linderman (NY), Mr. Michael Larsson (MA), and, Dr. Barbara Brittingham (MA). This hearing begins at 10 AM (EST). It will be archived.

So, what’s S 615’s name? The Higher Education Innovation Act!! (*Congress is stuck on a pattern, Warriors. Look at some of the recent legislation turned laws. WIOA, for instance: Workforce Innovation and Opportunity Act; the ESSA’s copious amount of language devoted to ‘innovating’ education. 

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In the years since CCSS was forced upon our nation, Congress still hasn’t learned that slapping ‘innovation’ on the same old reform doesn’t work!

January 25th is the same day Senate HELP will nominate a new Assistant Education Secretary* (Frank Brogan) for K-12th grades. This hearing begins at 2:30 PM (EST) and will be archived as well.

(*Note: the highlighted links for both hearings will take you directly to the U.S. Senate HELP website. You’ll need to refresh the link for the ‘live feed’.)

*Brogan is a close buddy of Jeb Bush’s, at least according to the Tampa Bay Times. As we know, Warriors, Bush’s Foundation for Excellence in Education is the ‘chief fallacy maker’ behind “National School Choice Week”. So, if we’re wondering about Pres. Trump’s commitment to end Common Core, we really should be protesting this nomination in double time.
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If you, like me, missed the first hearing on S 615 (held 1/18/18), you can find the archive here. This hearing discussed the supposed transparency associated with student debt and how Americans will be able to afford higher education. You’ll also want to access the Senate HELP Chairman’s 1/18/18 press release. You’ll see that according to Sen. Alexander (who does acknowledge federal education presence, but doesn’t apologize for it), that the background for S 615 is actually 4 and 1/2 years old and has had a whopping 18 bi-partisan meetings. As usual, Warriors, we’ve not heard of ANY of these meetings, nor been invited as serious ‘stakeholders’ to the table.

In the 1st archived hearing, no doubt you’ll hear lots about the need for data mining/tracking to be part of the ‘simplification’. You’ll also be ‘treated’ to lots of FASFA (Free Application for Federal Student Aid) rhetoric, too.

As other anti CCSS Warriors have shown us, the FAFSA has become a weapon against our students. FAFSA, also can be tied to a data breach, as well as the SETRA and FERPA legislation which Congress appears to be hell-bent on for a national data base. This type of data base would have Americans in schools, or not, tracked like never before.
(SETRA and FERPA stand for Strengthening Education Through Research Act and Family Educational Rights and Privacy Act.)

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Needed Background Context For You:

Warriors, if you’ve followed me long on this blog, or heard me speak out numerous times, you know I’ve been warning you for quite a while about the HEA being the last link in the chain of total birth to adult CCSS (Common Core State Standards) alignment. You also know that there are several others who have been just as diligent in warning our nation.

You may also know I’ve been able to prove how the current form of HEA is embedded in the K-12th grade law. It’s mainly embedded by Career Tech Education (CTE). Why? Simply put, the 2014 passage of WIOA (Workforce Innovation and Opportunity Act) used CTE as the adult version of CCSS in order to tie jobs to education.

For more context about HEA and ‘innovation’, let me point you to at least 2 reasons WHY Congress is uniting itself with the CCSS Machine:

10/6
What’s “10/6”?
The ’10’ refers to the Agenda Points the U.S. Dept. of Education has had in place for some time. The ‘6’ refers to the Agenda Points the U.S. Dept. of Labor has had in place for some time.

essagoal
Much like ESSA, HEA’s re-authorization will continue the ‘worker’ mindset, not the academic mindset to needed to be a great and free nation!

10/6 was woven into WIOA, then ESSA. It was woven into the current HEA version (2008) and will be woven into the newer version of the HEA.

How? By CCSS/CTE/STEM (Science, Technology, Engineering, and, Math)/CCR (College and Career Readiness); or as ESSA called it, “Challenging State Academic Standards” are precisely where 10/6 intersect in each existing law concerning ‘education’ from a federal level. The intersection even has a name, “Career Pathways”.
Warriors, on Page 14 of S 615, the intersection of all this is visible:

S615p14.jpg

Closing:

Like the big blue picture above, Congress is working overtime to try to convince Americans that ‘innovation’ will solve ALL our educational woes. What they miss consistently is how MUCH ‘innovation’ is HARMING our students of all ages!

For your further contextual base, my most recent previously published HEA articles:
a) CBE (competency based education) is also woven throughout WIOA, ESSA, and, HEA. This will lay out how it’s a pattern set forth by the UN (United Nations).
b) Congress’s sense about education is definitely NOT academic-minded. This look from mid 2017 will lay out a plethora of workforce-based-education-career-tracks Bills.
c) This June 2017 article of mine traces the vast amount of UN-directed data tracking higher education (as also seen in Pre-K to 12th grades) has in place already.

Lastly, the House of Representatives passed its version of HEA on 12/13/17. It’s called the PROSPER Act. It too, is a trap.