Thank you, Mr. Chairman. As I say, it's an application-based fund. So a student can fill out an application form and from that application form, it will be determined if they qualify for some of this repayable loan funding. The sort of factors that come into play are children and childcare costs, the cost of a program that is being taken and the Member talked about whether there is any money in the bank. There is an assumption with the SFA program that you will earn some money during the summer break. So that sort of expectation is factored into the calculations. It is a formula that is determined by the responses on the application form and that sets out how much money is available then to people from this fund.