Mr. Chairman, we always attempt to get every penny that's owed to us. Every bad debt is a little bit different. They're all unique in their own way. Certainly we use the same criteria in arriving at compromised settlements with anyone who has debts with us. We look at what the possibilities are of getting some future recoveries from the individual. What's the cost of the legal action we might take in order to get that money back? Also, the value of any security we may have against the debt. Is it worth anything? We use the same criteria, but I have to say, every one of these settlements deals with a little bit different case. Thank you.