Dr. Bryan Maguire:

One difference is that there would be a single insurance pool that works across the State. Another difference relates to the other regulatory functions of the QQI and the information that arises from our quality assurance and monitoring of providers, which informs our understanding of the risk profile, both current and emerging over time, associated with the area. We have a number of statutory engagements with each of these providers in addition to that specifically related to learner protection. We find out how many students they are registering, how they graduate, and so on. We have an additional flow of information around student practices in the industry.