Thank you, Mr. Chairman. We want to be fair to everybody. We want to be fair to the people who are paying their debts, even though it may be a bit of a hardship on them. We want to be fair to people who are unable to pay their debts. There are limits and there are rules in terms of which ones come here and which ones the administrator of whatever the program is has the authority to make the settlement. I'm sure there are settlements being made by administration in the Housing Corporation and other places every day that we never see.
The main objective here, though, has to be to get the money, but also be fair to everybody. I think often people don't realize that this avenue is open to them and if there's an area where we can make some improvement in the future in another government is probably in making sure that people are aware of the fact that they're expected to pay back the money. If they can't then we don't just send a collection agent in. There are ways of working with them. Thank you.