Mr. John Hogan:

It relates to the cost of the course in a particular year. Typically, fees for courses are paid yearly or, in the context of some I am familiar with, upfront where pursued over a six-month period. If the individual leaves during the year or whatever the period is, there is a clawback. There are standard arrangements for the refunding of fees. We see our own Department as a very effective learning and development organisation. We invest strongly in the sort of people we have in the organisation. We try to offer them opportunities to enhance their personal development and career opportunities. In turn, we see a benefit for the organisation in all that.