As Mr. Baker, I believe, mentioned, the private collection agencies work only in relation to the student loans, not in relation to taxpayer accounts. And even at that, not all student loan recipients would be contacted by private collection agents. Only a portion of that workload is handled by them.
The amount that you referred to, $21 million, is our expectation of likely spending on commissions to the private collection agents in the upcoming fiscal year. I do have some data on past activities. For example, in 2005-06 approximately $13.5 million was spent to collect approximately $74.5 million. In 2006-07—and these would be partial-year figures—$11.4 million was spent in respect of collections of $68.6 million.