Okay, the user wants me to translate "bad debts" into French. Let me check the rules again. The first rule says to translate all content into French. The second rule states that if the content is already in French, leave it as is. The third rule is to provide only the translation without any explanations.
So, "bad debts" in English translates to "crédits à risque" in French. I need to make sure there's no explanation, just the translation. The user mentioned that if the content is already in French, output it unchanged. But since "bad debts" is in English, I should translate it. Let me confirm the correct French term. Yes, "crédits à risque" is the standard translation for bad debts in a financial context. I'll just output that without any extra text.
crédits à risque
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