Hi, that might be a question for QuickFee management. I can't...

Hi, that might be a question for QuickFee management. I can't recall off-hand what the arrangements are in terms of rates for repayments, or whether these are variable depending on individual client arrangements. The employment market is still hot (both AU and US), so rate reductions are unlikely short-term, and should be minimal if they do proceed. We should reach profitability before any impact would be seen, and combined with the long 'revenue tail' the QuickFee products carry, I would not be concerned at all.