I might turn to my colleagues for some more detail to answer your question.
Yes, it is normal that we write off unrecoverable student loan debts. Eight out of ten borrowers do repay on time and with very few difficulties. For those who have difficulties, there are a range of things we try to do to prevent default. In the event that a loan essentially becomes irrecoverable, there is a debt write-off process and due diligence is applied and it's applied to all students who are in this situation before determining that the debt has to be written off in this way.