Mr. Chairman, our policy is the same. We want to collect the money that we can. We want to do it in the same way, using the same criteria I just mentioned a few minutes ago, in each of the cases. So it's possible for anyone to attempt to reach a settlement and we would have to use our judgment whether or not that was a fair arrangement to get into whether there really is no way of being able to collect. It wouldn't matter if it was a student loan or housing arrears. The Housing Corporation has their own policy on collection of arrears.

I think in any kind of situation we first of all want to collect the money. Second is that we want to ensure that if we're getting into a settlement, that there really isn't any hope of getting any more money out of it and so on. In terms of compassionate reasons, because someone is elderly and possibly sick, those, I suppose, also come into play, but again that comes to part of whether or not we really feel there's any chance of recovering any more of the money owed to us. Thank you.