Mr. Brian Kealy:

I am not too sure if prepayment of fees and so on was the norm. The director of safety regulation from the IAA made the point during a meeting of this committee in 2012 that there were a lot of similarities to ponzi schemes in terms of flight training organisations. I assume, based on that comment, that a lot of those organisations have sought fees up front and at the end of the day some of them have gone bust on the back of that.