Thank you, Mr. Chairman. Mr. Chairman, I guess first of all, we would hope we wouldn't be to the point where my department was called into the picture, because that is when things have gone really bad and it's collection time. Each department would be in charge of how they deal with the organization that received a contribution. In the initial stages, we want to keep that relationship going in a positive way.

The other part of it is from our side, the policy is quite clear on what needs to happen and the process we follow. I think that's why we also hold our senior staff accountable for how those policies are being worked into the system. Granted, again, there are times when a file, whether a letter went out and when it was received back, when the next call was made or how long between calls, when you can do further follow-up, as we stated. In this case of debts being written off, it doesn't release the individuals from the debt and we continue to monitor. Depending on the file workload, there could be some time between the checks that happen, but they are being followed to the best of our abilities that we have within resources we operate in and our environment. Thank you.