Mr. Brendan Gleeson:

It could be a combination of both. It could be the case that the conditions were not complied with and it was then difficult to recover the funding. If the participant remained in a scheme, the money was recovered from his or her next payment. That was easy enough, but if somebody reaches the end of a five-year contract, it has to be pursued. We had a significant number of these historical debts and came up with this systematic arrangement to determine whether the debt was recoverable, based on whether it had gone beyond the Statute of Limitations.