Mr. Michael Gladney:

All of our telephone agents will give advice and there are various warnings on our website in regard to payment. The use of service providers gives people the ability to pay on a phased basis over the year, if they want to do this. However, our systems run scans on all payment types on a monthly basis and if an individual shows up with a nil payment in month one or month two, he or she will be in our compliance programme and we will make contact with him or her to discuss the option he or she was trying to take or wanted.