I was going to start somewhere else, but I would like to continue with what Peter raised, because over and over again we talk about those who somehow don't quite fit, who fall through the cracks, who run into ineligibilities, or who have to do repayments, and so on.
In general, though, in individual cases, what's your process for dealing with people when you come up against that and you are faced with the kinds of things that Peter was raising? How do you approach those kinds of things?