Okay.
I'll move to you, Mr. Flack. Sorry, I'm taking up all of your time here. The Auditor General has noted that over 20% of borrowers under the student loans program made no repayments, highlighting that there are obviously some major issues in the program.
That's what I wanted to focus on there. We're at 20%. What is the target? Are we still at 20% with COVID? Has that number gotten worse? I sort of assumed it would have. What is our target there? What's the number we want to get to? What are other jurisdictions at?