Thank you very much.
I have a couple of points and then a couple of questions.
This is grosso modo, but every department budgets for expected expenditures and so on. People make a big deal out of money that is lapsed—quote, unquote—at the end of the year, but a lot of government programs like yours, like Veterans Affairs programs, and so on, are demand driven. If the money is not demanded, the money is not spent. The numbers that were tossed out were $18 million over $800 million. That's about 2.3%. In my opinion, I think any department that budgets within about 2% or 3% is doing a pretty fine job, so good on you.
Mr. Gionet, the loan terms and so on seem to me to be pretty favourable, so I don't think that in itself is a big issue. Are there provisions for outright forgiveness under certain circumstances?