Thank you, Mr. Speaker. I guess part of the difficulty, too, with the repayment scheme was that as the student went through the paperwork -- and actually
agreements were signed -- SFA didn't really say that they would be penalized for the whole year. I am just wondering if the department can provide me with a copy of the actual guideline, rule or FMBS guideline that specifically states that failure of one term will apply to the whole year's worth? Thank you, Mr. Speaker.