Mr. Chairman, I think it's important to point out that in some cases the forgiveness or the negotiated settlement may have come about because of restructuring of the companies, for example. I think that in other cases it's a variety of reasons, depending on the condition of the loan and condition of the settlement. Because one has negotiated a settlement with respect to a loan, it is normal corporate practice, for example, that in some cases where you can actually keep the company alive by restructuring the debt, by making changes in the management, et cetera. So there are a variety of settlements that have been reached here by the different organizations, whether it's the Business Credit Corporation or others. That's the reason some of these companies are still around, even though they may have been forgiven some debt.

In most cases, I think it would be fair to say that we've restructured with these companies their debt and the reorganization of the companies so they can continue to survive, deliver services, employ northerners and pay corporate income tax. Thank you.