Maybe I can start.
I think the core principle behind the program is that those individuals who have the means to be able to pay should repay according to the schedule that was laid out, and those individuals who suffer an economic event or a health event that prevents them from being able to do so, or has a growing family that makes their income at a level where they would be spending more than 20% of their income on the repayments, they should not be required to be repaying. The way that we get at the credit rating fundamentally is by relieving the burden for those who don't have the ability to pay. However, for those who do have the ability to pay, when they fail to make a payment, each time that happens, that's reported through a third party provider to the credit agencies and it stays on their record for up to six years until such time as they repay.