Perhaps I'll start and Graham may want to add. In recovery, after the loan has not been paid for nine months, it comes to us and our job is to try to collect. We have various ways to go out and try to collect that money. If at the end of that process we just decide that it is not recoverable for one reason or another—bankruptcy, you name the circumstances—then we recommend to ESDC that the loan be written off. Then there's a process that follows at ESDC and ultimately at Treasury Board.
I'll ask Graham if he wants to add to that.