Thank you, Mr. Chairman. Mr. Chairman, the Member, in her time in this House, knows as well as I that there is sometimes tremendous latitude when it comes to write-off and forgiveness. Will we hunt down to the ground somebody who owes us $250? I would assume that through this government process that it's there. I know that the follow-up, from my time in committee, on that type of recovery is modest at best. Are we very efficient and effective in terms of our information system and capacity to do that? I don't think so. Thank you.