Madam Chair, I think that relates to a conversation that we had earlier on how sensitive we need to be about those kinds of compliance and collection issues.
One thing that is true from the agency's perspective is that these kinds of programs have a longer tail to them. Some people think, “Well, the program's over, so our work is done”, but we have to think about how we are going to ensure compliance and collection in the longer term. We are conscious of that, and we're thinking ahead to what the future issues will be that we'll have to sort through.
To your point, I would agree that this is an issue on our horizon, and we'll see how the pandemic unfolds.