We agree that when you look at the best-performing private sector collection organizations, they make extensive use of data mining, data warehouses, and risk profiling. They capture data associated with the circumstances around the existence of an account; then they can design more strategic ways and approaches to deal with these issues.
As an example, if somebody went bankrupt once or twice and we ended up writing off those accounts, then if that name resurfaced again, it should probably jump to the head of the queue somewhere. Those are the challenges we have in terms of the design of our legacy systems; they were not built to do that.