Mr. Philip Connolly:

No, it does not.

Another question referred to the consent we ask elected representatives to get when they come to us with queries. We accept that elected representatives can come to us with queries on behalf of applicants. Regarding the guidance issued by the DPC, we have a more complex scheme. By responding to a query, we may not just be giving information in respect of an applicant. It is more than likely that there are two or three parties to the application and they are not covered under section 40. We have to be sure as a data controller that we have the consent of those people before we release any information.

That is the guidance in the DPC notes on exchanging information with elected representatives. That is why we ask. As regards the process, it is quite smooth in the sense that it is online. Our office contacts the student and asks him or her to consent. In 80% of cases the consent has already been given at that stage and in other cases it is given within 24 to 48 hours. Then we refer back to the Deputy or the Senator on that basis. It is to protect us because we have data not just on the applicant but also on other parties who are party to the application.

I believe those are all the questions asked by Deputy Thomas Byrne. Senator Gallagher asked about the review of refusals. We examine our refusal reasons every year in detail. We do not input into changes to the grants on that basis, but we review with regard to quality to see if there is any way we can improve our process to make it easier for students to approach us as well.

Regarding interest on loans, certain interest is allowed to be deducted within the scheme, but not on the basis of mortgage payments and the like. Again, and I am probably repeating myself, we must adhere to what is in the scheme on those issues.

I hope I have covered all the questions.