I'll have to check with our treasurer in our city.
Thank you for the answers. They're always very well prepared.
The last question I have for you is a management question. We made the decision to take the debt collection of student loans out of the private sector and move it into CRA, with the assumption that we were going to do a better job than what we were paying the private sector to do—and some of that delta.
Is this about what we normally write off annually? Or is this higher or lower? Do we know?