Thank you. Thank you, Madam Chair. You know, it's great to say that we want to forgive debt. You know, where do we cut it off at, I guess, is going to be the question. So, you know, I really don't have any hope that, you know, we're really going to -- any of this is actually going to come to fruition. But if it does, I guess what I'd like to see is that we need to -- if we're going to forgive it, we need to know how we got there as well. Like, what put us in that position and how can we stop from getting in that position again, putting the government in the position and putting the people as well in that position. Otherwise it's just going to -- it could be just a cycle that repeats itself and somehow we have to make sure that, you know, we deal with the root cause as well. Thank you.