Mr. John McKeon:

No, not all of them. In fact, the amount of debt that we assign to fraud is quite low. I have the figures with me somewhere and I will dig them up for the committee. We attribute most of the debt to customer error. Debts that are written off are cases where we believe there is no prospect of recovering the money. Generally, they are cases where the person is deceased or has left the State. We examine what the value of the debt is and whether we have been able to make contact with the individual. If we cannot make contact with him or her and there is no prospect of recovering the money, it should not be recorded-----