Mr. Derek Rafferty:

It is to allow the BPFI to work with the local authorities, because it wants them to take a leading role in administering the loan product. Originally, we thought that it was offering to administer the product itself, but it felt that was not achievable and its preferred option was that it would partner with the local authorities, which would then require some sort of system whereby they could speak to each other. I do not have any more detail than that but I can come back to the Acting Chair.