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Then one day, I saw bodies falling from the sky. I witnessed people dying. And that\'s when I decided to turn my life around[...] Being on tour for the first few years was bad. All we\'d do is get drunk and do drugs, but I loved it. Because I was doing something I loved with people I loved[...] And now, 2011, I have a beautiful baby girl and a caring wife and I get to perform for all my adoring fans every day. I am living proof that no matter how bad life gets, it gets better. I am Gerard Way and I survived. You will too.
The provision for credit losses (PCL) is an estimation of potential losses that a company might experience due to credit risk. The provision for credit losses is treated as an expense on the company’s financial statements. They are expected losses from delinquent and bad debt or other credit that is likely to default or become unrecoverable. If, for example, the company calculates that accounts over 90 days past due have a recovery rate of 40%, it will make a provision for credit losses based on 40% of the balance of these accounts.
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