Thank you, Mr. Speaker. I will have to get the Member more specific detail as to the steps that follow our contact with a client, and notification that we are pursuing legal means. I would say legal means are a last resort, we are not trying to be overly litigious. We work very closely with clients to try to help them through rough spots. I know the BCC makes every effort to look at temporarily allowing interest-free payments and withholding the requirement that interest be paid. There are even times when a stop payment is made on principal if businesses are in a truly difficult position. So we try to work with the clients and recognize the difficulty that they're in before we move to legal means. Thank you.