There are two points here.
First of all, my colleague Diane has just informed me that the numbers are relatively consistent with the previous year.
Second, on the writeoff versus forgiveness, “forgiveness” means you no longer owe it. You're off the hook. There are lots of reasons. On the actual writeoff, we still try to collect those figures, but you're dealing with bankruptcies or perhaps people who have left the country, and it's just a matter of wanting to keep the books clean. It's a good thing to put those out there.