The tools vary by the type of debt. Quite obviously, the severity of our use of those tools will vary, depending on the significance of the issue.
With respect to trust funds, we also have certain issues like the super-priority in the bankruptcy. We have the ability to go after the directors personally and so on. We believe that our performance is very good there, because we do prioritize those accounts and because of our level of oversight on those accounts, before they get to receivables. The frequency of remitting and so on.... We apply a lot of time and effort to making sure those people perform their fiduciary duties in a very efficient manner.
When they do come into collections, those are priority accounts for us. We think our performance is very good.
Could we use more tools? Or if the rules were different, would we be more efficient? I think that's a separate issue altogether.