Thank you, Madam Chair. If I had it given to me, I guess it would be forgiveness, then it wouldn't be on the books anymore, but there is no choice in the matter. The first stage would be that when the account went bad it would come into our hands. Collection would try again depending on the years as Mr. Voytilla mentioned. At that point then we would note them as being unlikely to be able to recover those and they go into the write off of debts. At that point the debt quits growing in a sense of the interest costs, but we still have avenues to go and collect. After that if we still see no opportunity or know that it's just not going to come about that we'd be able to get our funds, we would then go to this stage of write off. Thank you.