Thank you, Mr. Chairman. Another area that I have concerns about in going through this process is that there are people being able to work out these negotiated settlements to the tune of $5,000 to forgive a debt of some $200,000, and I think that if that's the avenue that's going to be taken are we consistent? Did we offer that to other clients that we have out there who may have a similar predicament? They have a debt with the government and they can simply make a negotiated offer for pennies on the dollar and basically walk away from this. Yet we're going after students with student loans and saying sorry, we're going to continue to hound you for the rest of your days to recoup this student loan. Yet we're writing off hundreds of thousands of dollars to certain clients by simply negotiating a negotiated settlement with a minimum amount. I think that if we're going to be fair, let's be fair across the board to everyone, including students with student loans.