We do provide those rates. If you add them together, you do get that larger number, but we report in both the public accounts and the Canada student loans annual report on the value of the grants we provide, on the value of the repayment assistance program, on the default and on the cost of the default. All three of those are reported on.
Our point is merely that the repayment assistance program is a parliamentary decree that we shall provide benefits to people if they meet those conditions. That's what we do, which is why we do not characterize them as losses, nor do we think they're properly characterized as losses—