—and loss rate being the value of money.
The default rates are traditionally at about 11% to 13% in number. On the loss rate, it's usually between 6% and 8% on the value overall. You need to take into consideration, too, that there are revenue streams that come in on this program as well. We have a 2% registration fee, we have a 1.25% registration fee, and over the last five-year period this program has been net-positive from a cost-recovery perspective. It hasn't been a drain on the fiscal framework per se. We're averaging over the last five years probably about a $5-million to $10-million surplus each year.
During COVID—