In part, that could be one element of riskier files. We were thinking more, though, of files on people or businesses declaring insolvency--going bankrupt. The agency should take quicker action to identify those files and should try to do collection activities faster on them.
The agency has several methods of collection, and one of the important things is to make sure the account goes into the right stream so that collection activities are the most effective. They need better information on that.