Thank you.
There are two different items here. The first is the write-off of student loans. Those are loans that have been made historically; 99% of them were made more than six years ago and there's been no action since. They are not collectible by statute; they go through a process to determine that they will not be able to be collected and they are written off as an accounting exercise, usually annually. The number is large here, because it's three years.