There is a policy, a set of procedures, followed whereby the individual is informed of the amount of the overpayment, and there's a collections schedule that is negotiated with the individual.
I should say there's a very generous remissions policy that's been in place for a long time as well. If the individual demonstrates that they really have low resources, low income, there is an authority that is delegated to senior managers to consider the remission of overpayments in the case of low income. So there is a lot of flexibility in terms of how those moneys are recovered. Each individual can negotiate a repayment schedule based on their means.