Typically, with respect to student loan writeoffs, they're based on an aggregate stock of debt for student loans. When you get to the writeoff portion, it means that efforts have been taken in order to collect. Efforts continue to be taken in certain instances to collect outstanding amounts, but certainly, when we look at $163.5 million, as you rightly point out, compared to other years, it's roughly in a similar ballpark.
Just for comparison, in 2017-18, we have a writeoff of $203 million. In 2016-17, it was $178 million. In 2015-16, it was $176 million. In 2014-15, it was $294 million. It depends on the year and the vintage of the loan, but often steps are taken to recover, and if it's not able to be recovered, then—