In fact, there is not a target around that because the program is designed to be what we call an automatic stabilizer. In the event, for example, of a recession, one would expect to see younger people losing their jobs in greater numbers than others, and one would expect to see, temporarily, much higher numbers resort to the program.
I think the repayment program was a deliberate design by Parliament to say that in the case where a large group of individuals get into serious difficulty financially because of the broader economic effects, the government shall provide more support. It's not unlike the employment insurance system. We don't have a target on a given year for what it is. It's an entitlement based on income.
The number of people who are not repaying the loans reflects the fact that those individuals are below the income threshold that Parliament has set for which those individuals are entitled to, in effect, a deferred grant to cover the costs of their loans.