It really comes down to the risk model that was put in place.
The proportion of 0.1% may seem minimal when compared with the dollar figure. Nevertheless, it's important to take into account how we estimate the overpayments. It is not just the amount that has been overpaid up to this point, but it is also the amount that would be overpaid if the beneficiary continued to receive benefits. In the case of old age security, that is the appropriate model—a prediction model. Under the model, if the problems were not detected in time, the overpayments would continue for an average of seven years.