Thank you, Mr. Chairman. In the past, we've asked questions about loans that had been written off. In other words, they're not forgiven, they are loans which are still on the books but for all practical purposes, they're not deemed to be collectible. They still remain a debt on the part of the student. I notice that this year there is a large amount of money that is
being forgiven. I would like to ask the Minister what is the criteria to determine whether a loan should be forgiven or not?