The use of private collection agencies goes back to the time when HRSDC administered...well, they still do have overall policy responsibility for the student loan program. What has been transferred to us is the collection responsibility.
When it was originally transferred we adopted the operating practice of HRSDC, which was a combination of our own collection activities plus the use of private collection agencies. We determined, as Mr. Ralston explained, that we can do this for less cost to government by using our own infrastructure of collection officers.