Rónán Mullen (Independent)
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I thank Mr. Biondi. Turning to Ms Harmon, she mentioned several recommendations have not been followed up on. This business where students get caught when a company folds or whatever, is this a problem that may continue happening? If so, are there mechanisms the ICOS can think of or that it would like to see introduced in this regard?

For example, perhaps we could introduce some kind of an insurance bond that a prospective student would pay and that would be received by a third party as a kind of insurance guarantee so that if their fees are lost in the process, at least there would be a refund. Is there something more that can be done in that area?