If I may, whether it's student loans or tax debt, or whatever, we seek to recover as much as we can. There are situations--bankruptcies, deaths obviously, or people leaving the country--so no, we can never achieve 100%, but we try our best. Certainly, because of the nature of the tax system, if someone, for instance, has subsequent income tax refunds coming to them, we have an offset procedure that allows us to recover over time.
On February 10th, 2009. See this statement in context.