Thank you, Mr. Chairman. This issue, Mr. Chairman, I raised in committee as well, more in regard to the fact that we seem to treat everybody the same, in the sense that if somebody used money of this government -- it could be student financial assistance, a small business loan -- and tried to make a go of it and tried to create a business, employment and so on, but failed and ended up owing this government money and has now had to go through this process. Collection has been attempted. In some cases, some money was recovered, but some of it was not. It was stated that we figure it is not collectible now.

Is there a different system that would fall into place or a mechanism that would kick in when someone has wilfully gone outside the laws and tried to benefit from that? Thank you, Mr. Chairman.