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The annual debt collection report to the Congress includes governmentwide data by combining data from over 24 agencies and also reports certain data by agency . When the government makes a payment to a lending institution for a defaulted loan guarantee , the government records a receivable for the amount of the payment and then tries to collect from the borrower , generally using the same methods used for direct loans . Therefore , reported fiscal year 1995 amounts are used for the program-level data throughout this report . Academy connections gained Bandar a berth on several expeditions to Mexico , including the 1964 and 1966 expedition to the Sea of Cortez . When guaranteed loans become delinquent , the lending institution , not the government , is required to contact the borrower initially and carry out certain procedures to give the borrower the opportunity to resume making timely payments . The review should estimate the extent to which the program substitutes directly or indirectly for private lending , and analyze any elements of program design that encourage and supplement private lending activity , with the objective that private lending is displaced to the smallest degree possible by agency programs . My role has been as a facilitator . It has emerged from the water and now lives a diversified life in a new environment and is found from the tropics to the tundra and from sea level to mountain heights . The sea lions are a mess of overbites and underbites , their crests twisting to the left or the right , the bony protrusions extra large or entirely missing . An additional enhancement that should be considered in the annual debt collection report to the Congress is aggregating the credit data by program characteristics to more appropriately portray program differences and to focus on collection challenges that are applicable to similar programs . We requested comments on a draft of this report from the Department of the Treasury , the Office of Management and Budget , and the agencies included in our review . Many sea snakes have very toxic venoms , but almost never bite , even when handled roughly . We are sending copies of this report to relevant congressional committees and subcommittees , the Director of the Office of Management and Budget , the Secretary of the Treasury , the Secretary of Agriculture , the Secretary of Housing and Urban Development , the Secretary of the Department of Veterans Affairs , the Secretary of the Department of Education , and other interested parties . All of the world 's ten most toxic snakes are elapids , and half of these are sea snakes .