Thank you, Chair.
On the second question, it is something we're concerned about as well in trying to maximize the amount of debt we can collect. We always want to be fair with people in terms of particular circumstances, but if you look at it globally—the $3 billion or $4 billion you calculated—we'd obviously like to take that number down and be able to collect more of the debt that is owed.
We face some challenges in terms of taxpayers who may not have access to their funds anymore or might be bankrupt. Generally, my sense is that time is not on our side in this matter, so where we can move more quickly to establish the debt and take action to collect it, I think we're going to do better. We're taking action on that front.
We're also involving some of the debt collections people in an earlier stage of the process with audit so that we can take that longer view, if you like—a more horizontal, comprehensive view of the audit-to-collection stage to see if we can increase our chances.
There will always be some amount of debt that gets written off, but we're putting a considerable amount of effort into trying to maximize the amount that we do collect.