There are a number of ways to measure that.
If we feel that we are unable to recover the money owed, we write off those amounts from our ledgers. But I think that, in the last 10 years, the agency has written off less than 4% on average, which is not very high at all.
However, for some of those 10 years, the reimbursement is not due yet or has not been completed. Generally speaking, for maturity years, the loss rate is close to 15%.