Thank you, Mr. Chairman. As the Minister has pointed out, the reason of public interest is used sparingly. Generally, on all of our debts, we do pursue them aggressively. There will be times when we do agree to a negotiated settlement, but that is because in our judgment and the judgment of our counsel that we think we have maximized the return we are going to get on the debt and pursuing it would not be fruitful or cost effective. That is usually the rule that we abide by.
When it comes to public interest, however, there can be situations where it might be compassionate or it might be a particular situation that would cause severe hardship on the individual. Quite often, that would be related to some sort of medical condition or some other factor that made the likelihood or the pursuit of collection to be doubtful, with respect to either getting further yield or it would create such burden on the individual that we would view it in the public interest to forgive the debt. So very much, it would fall into most often the forgiveness on compassionate grounds.