Well, we are. If they're writing it off, you can imagine the collections process that happens for students who are having to write off this debt, it also has ancillary implications on their financial outlook. Even though the government's writing it off, you can imagine the pressure that's on these students.
As we look at the rising costs of every aspect of life—the financialization of education, housing, food, transit—the question is put quite rightly. This is obviously the writeoff on the previous estimate. What factors do you think account for the increased dollar value in unrecoverable debt from 2019 to 2020 in the fiscal year, compared to 2018 to 2019? If you care to comment on my colleague's comment, what are the consequences for students when this debt gets written off on their behalf?