I would just add, Mr. Chair, that these are difficult economic times. We have certain flexibilities in the act and in policy. For instance, if someone is in arrears, we attempt to work out a payment schedule. It's not our interest to see anybody go bankrupt. Personal bankruptcies see businesses go out of business, and we make our best efforts to try to work out an arrangement that makes sense.
At the end of the day, we have to administer the act, and we try to do that as fairly as possible.