Thanks, Madam Chair. I have similar concerns to my colleague Mr. Dolynny. I also wondered about why we needed the increase,

and I appreciate the answer. I do have questions around the amounts, similar to Mr. Dolynny.

We’ve talked about a default rate, I think defaulting on loans rate, and we’ve talked about a remission rate. My question is not so much the dollar amount but a trend.

Has the percentage of remission and defaulting on loans gone up or gone down over the last number of years? Thank you.