Ms Mary Higgins:

No. Somebody can apply again. We have got 5,000 applications. We have 12 advisers. We cannot have all of those open and active all of the time because it would not be physically possible to do that. To have some shape and order on the way we process applications, we assess people, get whatever it is that we need, make decisions, make payments and complete them on the basis that we have had the conversation with the applicant and they are satisfied that their needs have been met, and that they have not got anything pressing at the moment. If we complete, they can come back and repeat the application.