← Australia hubs PR Manager
Australia English (English) $ AUD
Victoria is a mid-career PR professional navigating the corporate landscape of Sydney while balancing a busy social life and long-term financial planning. This hub covers the essential federal systems, tax obligations, and national benefits she encounters as a permanent resident.
Navigating the ATO and superannuation is essential for long-term financial stability.
Australian Taxation Office (ATO) via myGov national · Australian Taxation Office
Who qualifies All tax-paying residents
What you get Access to tax returns, income statements, and superannuation data
What it actually costs you Requires a myGov account linked to ATO; annual tax return filing
Common gotcha People often forget to link their bank accounts to the ATO for direct deposit of refunds.
YourSuper Comparison Tool national · Australian Taxation Office
Who qualifies Any employee with a superannuation fund
What you get Ability to compare performance and fees of MySuper products
What it actually costs you Free; requires TFN to view personal fund data
Common gotcha Comparing only fees without looking at long-term net returns.
Higher Education Loan Program (HELP) national · Department of Education
Who qualifies Australian citizens and permanent residents with university debt
What you get Income-contingent loan repayment system
What it actually costs you Repayments automatically deducted via tax system once income threshold is met
Common gotcha Indexation is applied to the debt annually, which can surprise people during high inflation.
First Home Super Saver (FHSS) Scheme national · Australian Taxation Office
Who qualifies First home buyers who have made voluntary super contributions
What you get Ability to withdraw up to $50,000 of voluntary contributions for a home deposit
What it actually costs you Requires strict adherence to contribution caps and withdrawal application processes
Common gotcha You must apply for the release of funds BEFORE signing a contract to purchase.
Medicare Levy Surcharge Exemption national · Australian Taxation Office
Who qualifies High-income earners with appropriate private hospital cover
What you get Avoidance of the 1%–1.5% tax surcharge
What it actually costs you Requires maintaining an 'appropriate' level of private hospital insurance
Common gotcha General extras cover does not count as hospital cover for the exemption.
CGT Discount national · Australian Taxation Office
Who qualifies Individuals holding assets for more than 12 months
What you get 50% discount on capital gains tax for assets held long-term
What it actually costs you Requires accurate record-keeping of purchase and sale dates
Common gotcha Does not apply to assets held for less than 12 months.
Medicare is the backbone of Australian healthcare, but private cover is often needed for speed and choice.
Medicare national · Services Australia
Who qualifies Citizens and permanent residents
What you get Subsidized medical services, free public hospital treatment, and PBS medicines
What it actually costs you Funded via the Medicare Levy; requires registration and card
Common gotcha Bulk billing is becoming less common, meaning out-of-pocket 'gap' fees are rising.
PBS Safety Net national · Department of Health
Who qualifies Anyone purchasing prescription medicines
What you get Cheaper or free medicines once you hit a spending threshold
What it actually costs you Requires keeping track of your spending with your pharmacist
Common gotcha You must ask your pharmacist to record your scripts to ensure you hit the threshold.
Australian Government Rebate on Private Health Insurance national · Department of Health
Who qualifies Individuals with private health insurance
What you get Income-tested rebate on insurance premiums
What it actually costs you Requires declaring your income to your insurer
Common gotcha If your income increases, your rebate percentage drops, leading to higher premiums.
Lifetime Health Cover Loading national · Department of Health
Who qualifies People aged 31+
What you get Avoidance of a 2% loading fee for every year you delay getting private hospital cover
What it actually costs you Requires taking out hospital cover by July 1 following your 31st birthday
Common gotcha Once the loading is applied, it stays for 10 years of continuous cover.
My Health Record national · Australian Digital Health Agency
Who qualifies All Medicare card holders
What you get Centralized digital access to your medical history and test results
What it actually costs you Requires setting up via myGov; privacy settings need manual review
Common gotcha Not all GPs upload notes; it is not a complete record unless you manage it.
Better Access Initiative national · Department of Health
Who qualifies Individuals with a diagnosed mental health condition
What you get Medicare rebates for up to 10 psychological sessions per year
What it actually costs you Requires a Mental Health Treatment Plan from a GP
Common gotcha The rebate rarely covers the full cost of a private psychologist. Keeping identity documents current and understanding travel rights is crucial for a PR holder.
Visa Entitlement Verification Online (VEVO) national · Department of Home Affairs
Who qualifies Non-citizen visa holders
What you get Proof of your right to live, work, and travel in Australia
What it actually costs you Requires passport details and visa grant number
Common gotcha Always check VEVO before international travel to ensure your travel facility is active.
Resident Return Visa (RRV) national · Department of Home Affairs
Who qualifies Permanent residents who travel outside Australia
What you get Permission to re-enter Australia as a permanent resident
What it actually costs you Application fee (~$465); requires meeting residency requirements
Common gotcha If you are outside Australia and your travel facility expires, you cannot return as a PR.
Australian Citizenship by Conferral national · Department of Home Affairs
Who qualifies Permanent residents meeting residency and character requirements
What you get Full voting rights, Australian passport, and consular protection
What it actually costs you Application fee (~$540); requires citizenship test and ceremony
Common gotcha The processing time can be lengthy (6–12 months).
Australian Passport Service national · Department of Foreign Affairs and Trade
Who qualifies Australian citizens
What you get Travel document for international movement
What it actually costs you Application fee (~$346 for 10-year); requires photos and guarantor
Common gotcha Renewals must be done well in advance; urgent processing costs extra.
Smartraveller national · Department of Foreign Affairs and Trade
Who qualifies All Australians traveling overseas
What you get Travel advice, safety alerts, and registration for emergency contact
What it actually costs you Free; requires registration of travel plans
Common gotcha People often ignore the 'Do Not Travel' warnings until it's too late.
AEC Electoral Roll national · Australian Electoral Commission
Who qualifies Australian citizens 18+
What you get Right to vote in federal elections
What it actually costs you Compulsory to register; failure to vote results in a fine
Common gotcha You must update your address every time you move house. Knowing the Fair Work rules prevents exploitation and ensures I get my entitlements.
Fair Work Ombudsman national · Fair Work Ombudsman
Who qualifies All employees in the national workplace relations system
What you get Information on awards, minimum wages, and dispute resolution
What it actually costs you Free; requires knowledge of your specific Award
Common gotcha Many people don't know which 'Award' covers their specific industry.
National Employment Standards (NES) national · Fair Work Ombudsman
Who qualifies All employees
What you get 10 minimum entitlements including leave, notice, and redundancy pay
What it actually costs you Statutory right; no application needed
Common gotcha Casual employees have different entitlements regarding leave compared to permanent staff.
Safe Work Australia national · Safe Work Australia
Who qualifies All workers
What you get Workplace health and safety standards and guidance
What it actually costs you Employer obligation; employee compliance required
Common gotcha Mental health at work is now a core part of WHS obligations.
Australian Human Rights Commission national · AHRC
Who qualifies Anyone experiencing discrimination or harassment
What you get Complaint handling and mediation services
What it actually costs you Free; requires evidence of discrimination
Common gotcha Strict time limits apply for lodging complaints.
Paid Parental Leave Scheme national · Services Australia
Who qualifies Primary carers meeting income and work tests
What you get Government-funded pay for up to 20 weeks
What it actually costs you Requires application via Centrelink; employer must be involved
Common gotcha This is taxable income and can affect other government benefits.
Long Service Leave national · State/Federal legislation
Who qualifies Employees with long-term continuous service (usually 7-10 years)
What you get Paid time off for long service
What it actually costs you Accrued over time; check your specific state laws
Common gotcha It is often portable in some industries but not others. 8states & territories — open one to see what it offers.
Australian Capital Territory Canberra offers unique cost-of-living support and professional development grants tailored to the high-income, high-cost lifestyle of the capital's workforce.
ACT Utilities Concession state · ACT Revenue Office
Who qualifies Low-income earners holding a Centrelink Pensioner Concession or Health Care Card.
What you get Annual rebate on electricity, natural gas, water, and sewerage bills.
What it actually costs you Free; requires your Centrelink CRN and utility account details.
Common gotcha It is not automatic; you must re-apply if you change your utility provider.
ACT Taxi Subsidy Scheme state · Transport Canberra
Who qualifies ACT residents with a permanent disability that prevents use of public transport.
What you get Subsidy of 50% of the fare, up to a maximum of $25 per trip.
What it actually costs you Requires medical assessment and application form submission.
Common gotcha The subsidy card must be presented to the driver before the meter starts.
Rates Deferral Scheme state · ACT Revenue Office
Who qualifies Pensioners or those experiencing genuine financial hardship who own their home.
What you get Option to defer all or part of your general rates payment.
What it actually costs you Interest may accrue on deferred amounts; requires a hardship application.
Common gotcha This is a loan against your property equity, not a waiver.
Sustainable Household Scheme state · ACT Environment, Planning and Sustainable Development Directorate
Who qualifies ACT homeowners.
What you get Zero-interest loans between $2,000 and $15,000 for energy-efficient upgrades.
What it actually costs you Must use an approved supplier; loan is repaid over 10 years.
Common gotcha Only applies to specific upgrades like solar, heat pumps, or electric heating.
ACT Arts Fund state · artsACT
Who qualifies Canberra-based creative professionals and PR/communications consultants working in arts.
What you get Project funding ranging from $5,000 to $50,000 for arts-related initiatives.
What it actually costs you Competitive application process; requires detailed project budget and timeline.
Common gotcha Deadlines are strict and funding is highly competitive.
ACT Small Business Innovation Grant state · Chief Minister, Treasury and Economic Development Directorate
Who qualifies Small businesses operating in the ACT with less than 20 employees.
What you get Matching funding for projects that improve business efficiency or digital presence.
What it actually costs you Requires a 1:1 cash contribution from the business.
Common gotcha Must demonstrate how the project directly leads to business growth.
Community Sector Training Fund state · Community Services Directorate
Who qualifies Employees in the ACT community sector.
What you get Subsidised professional development and certification courses.
What it actually costs you Application through employer or direct registration.
Common gotcha Courses fill up quickly; check the portal monthly.
New South Wales As a PR professional in Sydney, Victoria navigates the high cost of living through specific state-backed transport concessions, energy rebates, and professional development support.
Low Income Household Rebate state · Service NSW
Who qualifies Pensioner Concession Card or Health Care Card holders.
What you get Up to $285 per year off your electricity bill.
What it actually costs you Free; application via Service NSW portal with your energy account number.
Common gotcha You must re-apply if you switch energy retailers.
M5 South-West Cashback Scheme state · Transport for NSW
Who qualifies NSW residents using a personal vehicle on the M5 South-West motorway.
What you get Refund of tolls paid (excluding GST) for personal travel.
What it actually costs you Requires an E-Toll account and quarterly claims.
Common gotcha Claims must be submitted within 12 months of the toll being incurred.
Active Kids Program state · Office of Sport
Who qualifies Parents of school-enrolled children.
What you get Vouchers worth $50 per child per year for sports registration.
What it actually costs you Free; must be claimed before registering for the sport.
Common gotcha Vouchers cannot be used for equipment, only registration fees.
Creative Kids Voucher state · Service NSW
Who qualifies School-aged children in NSW.
What you get $50 voucher for creative and cultural activities.
What it actually costs you Free; claimed annually via Service NSW.
Common gotcha Must be used with an approved Creative Kids provider.
Business Connect state · Investment NSW
Who qualifies Small business owners or those planning to start one in NSW.
What you get Access to free, independent business advice and workshops.
What it actually costs you Free; requires booking an advisor online.
Common gotcha The advice is general; specific legal/tax advice is excluded.
Export Assistance Grant state · Investment NSW
Who qualifies NSW-based businesses looking to expand into international markets.
What you get Reimbursement of up to $10,000 for export-related expenses.
What it actually costs you Requires detailed proof of expenditure and export strategy.
Common gotcha Strict eligibility criteria regarding annual turnover.
Northern Territory The Northern Territory offers unique lifestyle incentives and professional development grants specifically designed to attract and retain talent in a remote, high-cost environment.
Business Innovation Program state · Department of Industry, Tourism and Trade
Who qualifies NT-based businesses looking to commercialize new products or services.
What you get Grants up to $30,000 to help with research, development, and commercialization.
What it actually costs you Requires a 50% co-contribution and a detailed business case.
Common gotcha You must demonstrate that your innovation is new to the Territory market.
Professional Development Scholarship state · Department of Corporate and Digital Development
Who qualifies Public sector or non-profit employees looking to upskill in leadership.
What you get Financial assistance for short courses or workshops.
What it actually costs you Application form and manager endorsement.
Common gotcha Funding is competitive and usually opens in specific annual windows.
Small Business Champion Grant state · Department of Industry, Tourism and Trade
Who qualifies Small businesses operating in the NT for at least 6 months.
What you get Up to $10,000 for business improvement projects.
What it actually costs you Requires quotes and a clear project plan.
Common gotcha Cannot be used for day-to-day operating expenses like rent or wages.
Screen Territory Production Funding state · Screen Territory
Who qualifies Creative professionals and production companies based in the NT.
What you get Funding for development, production, and marketing of screen content.
What it actually costs you Detailed budget and script/concept submission.
Common gotcha The project must highlight the Northern Territory's unique landscape or culture.
NT Pensioner and Carer Concession Scheme state · Territory Families, Housing and Communities
Who qualifies NT residents receiving specific Centrelink payments.
What you get Discounts on electricity, water, sewerage, and public transport.
What it actually costs you Application form with proof of residency and pension status.
Common gotcha You must re-verify your eligibility every year.
Sport Voucher Scheme state · Department of Territory Families, Housing and Communities
Who qualifies Parents of school-aged children in the NT.
What you get $200 per child, twice a year, for sports and cultural activities.
What it actually costs you Online registration via the portal.
Common gotcha Vouchers expire at the end of the semester; they don't roll over.
First Home Owner Discount state · Territory Revenue Office
Who qualifies First-time buyers of established homes in the NT.
What you get Stamp duty discount of up to $18,601.
What it actually costs you Must be an Australian citizen or permanent resident.
Common gotcha You must live in the home for at least 6 months within the first year.
Territory Tourism Voucher state · Tourism NT
Who qualifies NT residents aged 18+.
What you get Subsidized travel packages for local holidays.
What it actually costs you Must be booked through registered NT tour operators.
Common gotcha Only available during specific promotional rounds.
Queensland Queensland offers unique lifestyle subsidies and cost-of-living support that help a PR professional manage the high costs of urban living in Brisbane.
Cost of Living Rebate state · Queensland Government
Who qualifies All Queensland households with an electricity account.
What you get A rebate of $1,000 applied directly to your electricity bill.
What it actually costs you Automatic; no application required if you have an active residential account.
Common gotcha It only applies to residential accounts, not home-office setups registered as businesses.
Vehicle Registration Concession state · Department of Transport and Main Roads
Who qualifies Holders of a Queensland Pensioner Concession Card or Health Care Card.
What you get Up to 50% discount on annual vehicle registration fees.
What it actually costs you Proof of concession card; processed via TMR portal.
Common gotcha Must be renewed annually even if your circumstances haven't changed.
FairPlay Vouchers state · Department of Tourism, Innovation and Sport
Who qualifies Parents of children aged 5-17 who hold a Health Care Card.
What you get A voucher worth $150 to cover sports club membership fees.
What it actually costs you Online application via the FairPlay portal during open rounds.
Common gotcha Vouchers are released in rounds and are capped; they go very quickly.
Rental Grant state · Department of Housing
Who qualifies Individuals experiencing a one-off financial crisis who are at risk of homelessness.
What you get A one-off grant to cover up to 4 weeks of rent.
What it actually costs you Requires evidence of financial hardship and a rental ledger.
Common gotcha This is a crisis payment, not a recurring subsidy; you must prove the 'one-off' nature of the hardship.
50 Cent Fares Initiative state · Translink
Who qualifies All commuters using Translink public transport services.
What you get Flat rate of 50 cents for any journey on buses, trains, or ferries.
What it actually costs you Just your Go Card or contactless payment method.
Common gotcha Does not apply to Airtrain services to the airport.
Queensland Toll Relief state · Department of Transport and Main Roads
Who qualifies Queensland residents who spend a significant amount on toll roads.
What you get A rebate of up to $340 per year for eligible motorists.
What it actually costs you Registration of your vehicle license plate on the TMR portal.
Common gotcha You must manually claim the rebate; it is not automatically deducted from your toll account.
South Australia South Australia offers specific cost-of-living concessions and professional development incentives for residents, particularly those navigating the unique Adelaide housing and transport landscape.
Cost of Living Concession state · Department of Human Services
Who qualifies Low-income earners, pensioners, and self-funded retirees who own or rent their home.
What you get Annual payment of up to $255.60 for homeowners or $127.80 for tenants.
What it actually costs you Free to apply; requires Centrelink card or income details.
Common gotcha You must re-apply if your living circumstances change, even if you received it last year.
SA Water Concession state · SA Water
Who qualifies Concession card holders responsible for water usage charges.
What you get Quarterly rebate on water and sewerage rates.
What it actually costs you Requires submission of your concession card number to the portal.
Common gotcha It is not applied automatically; you must link your account to your concession status.
Energy Bill Concession state · Department of Human Services
Who qualifies Pensioners and low-income earners on energy accounts.
What you get Annual payment to assist with electricity costs.
What it actually costs you Application form via the SA Concessions website.
Common gotcha Only one person per household can claim the concession.
Metrocard Concession state · Adelaide Metro
Who qualifies Holders of a valid SA Seniors Card or Health Care Card.
What you get Half-price fares on all Adelaide Metro buses, trains, and trams.
What it actually costs you Must carry your concession card at all times when travelling.
Common gotcha Failing to tap on with your concession-enabled card can result in an on-the-spot fine.
SA Seniors Card state · Office for Ageing Well
Who qualifies Permanent SA residents aged 60+ working less than 20 hours per week.
What you get Discounts at thousands of businesses and free off-peak public transport.
What it actually costs you Free; requires proof of age and residency.
Common gotcha It is not a photo ID; you still need a driver's license for identification.
Skills SA Subsidised Training state · Department for Industry, Innovation and Science
Who qualifies SA residents looking to upskill in high-demand industries.
What you get Subsidised tuition fees for vocational courses and certificates.
What it actually costs you Variable student contribution fees depending on the course.
Common gotcha Only specific training providers are approved for the subsidy.
Small Business Grants state · Business SA
Who qualifies Registered small businesses operating in South Australia.
What you get Vouchers for professional advice or digital transformation.
What it actually costs you Requires a detailed business plan and proof of turnover.
Common gotcha Funds are limited and often exhausted within days of opening.
South Australian Museum Membership state · South Australian Museum
Who qualifies General public.
What you get Free entry to special exhibitions and discounts at the shop.
What it actually costs you Annual membership fee of approximately $60.
Common gotcha Does not cover all touring exhibitions; check specific exclusions.
Tasmania Tasmania offers unique regional migration pathways and specific cost-of-living support for professionals balancing a high-paced career with the island's unique lifestyle.
Tasmanian Energy Bill Relief state · Department of Treasury and Finance
Who qualifies Pensioners and low-income earners holding a valid concession card.
What you get Annual rebate on electricity bills ranging from $200 to $500 depending on eligibility.
What it actually costs you Requires your concession card number and current utility account details.
Common gotcha It is not automatic; you must apply through your electricity retailer or the portal.
Metro Tasmania Student Concession state · Metro Tasmania
Who qualifies Full-time students enrolled in Tasmanian educational institutions.
What you get Significant discount on bus fares across Hobart, Launceston, and Burnie.
What it actually costs you Requires a student ID card and an application for a Greencard.
Common gotcha You must carry your student ID at all times, or you may be charged the full adult fare.
Vehicle Registration Concession state · Department of State Growth
Who qualifies Holders of a Pensioner Concession Card or Health Care Card.
What you get 50% discount on annual vehicle registration fees.
What it actually costs you Proof of concession status and vehicle registration documents.
Common gotcha Only applies to one vehicle per concession card holder.
Tasmanian Parks Pass Concession state · Parks and Wildlife Service
Who qualifies Tasmanian residents holding a valid concession card.
What you get Reduced rates for annual vehicle passes to access national parks.
What it actually costs you Online application with proof of residency and concession status.
Common gotcha The pass is linked to your vehicle license plate, so ensure it is entered correctly.
Business Tasmania Advisory Service state · Department of State Growth
Who qualifies Small business owners and entrepreneurs operating in Tasmania.
What you get Free one-on-one business advice and access to grant information sessions.
What it actually costs you Time for a consultation; no direct fee.
Common gotcha They provide advice and referrals, not direct cash handouts.
Tasmanian Skilled Migration State Nomination state · Migration Tasmania
Who qualifies Skilled professionals working in Tasmania in high-demand occupations.
What you get State nomination for visa subclasses 190 or 491.
What it actually costs you Extensive documentation of employment and skills assessment.
Common gotcha Criteria change frequently based on the state's skilled occupation list.
Arts Tasmania Grants state · Arts Tasmania
Who qualifies Tasmanian-based artists and arts organizations.
What you get Funding for projects, professional development, or travel for arts-related work.
What it actually costs you Detailed project proposal and budget submission.
Common gotcha Highly competitive; requires a very strong business case for the project. Victoria Victoria offers a unique blend of high-cost-of-living support, specific professional industry grants, and robust transport concessions that a Melbourne-based PR professional relies on to manage the city's fast-paced lifestyle.
Commuter Club state · Public Transport Victoria
Who qualifies Employees whose companies participate in the corporate travel scheme.
What you get Annual myki pass at a discounted rate compared to monthly top-ups.
Common gotcha Your HR department must be registered for the scheme before you can apply.
Free Tram Zone state · Public Transport Victoria
Who qualifies Anyone traveling within the Melbourne CBD and Docklands.
What you get Zero-fare travel on all trams within the designated zone.
Common gotcha If your tram trip starts or ends outside the zone, you must have a valid myki for the entire journey.
Night Network state · Public Transport Victoria
Who qualifies All night-time commuters on weekends.
What you get All-night public transport including trains, trams, and night buses.
Common gotcha Night bus routes differ from daytime tram routes; check the PTV app.
V/Line Off-Peak Discount state · V/Line
Who qualifies Passengers traveling on regional rail outside peak hours.
What you get Discounted fares for regional travel.
Common gotcha Must touch on and off correctly to trigger the off-peak fare.
Creative Victoria Grants state · Creative Victoria
Who qualifies PR professionals working in arts, culture, or creative industries.
What you get Project funding or professional development grants.
Common gotcha Highly competitive; requires strict adherence to acquittal reporting.
Victorian Energy Upgrades state · Department of Energy, Environment and Climate Action
Who qualifies Victorian households and businesses.
What you get Discounts on energy-efficient products like LEDs or heat pumps.
Common gotcha Must use an accredited provider to receive the discount.
WorkSafe Victoria Support state · WorkSafe Victoria
Who qualifies Employees injured at work or suffering work-related stress.
What you get Medical expenses, income support, and rehabilitation services.
Common gotcha Mental health claims require specific documentation from a GP.
Small Business Digital Adaptation Program state · Business Victoria
Who qualifies Small business owners or freelancers in Victoria.
What you get Rebates for digital tools and software subscriptions.
Common gotcha Funding rounds open and close quickly; keep an eye on the newsletter. Western Australia Western Australia offers unique cost-of-living support and industry-specific grants that help PR managers navigate the high-cost Perth lifestyle and professional development landscape.
WA Household Electricity Credit state · Government of Western Australia
Who qualifies All residential electricity account holders in WA.
What you get Automatic credit, no application required.
Common gotcha It only applies to the primary residential account; if you sub-let, you might not see it directly.
Transperth SmartRider Tertiary/Student Concession state · Public Transport Authority
Who qualifies Full-time students or eligible concession card holders.
What you get Requires a valid student ID and SmartRider card application.
Common gotcha You must renew your concession status every year before the start of the academic semester.
Energy Assist Payment state · Synergy
Who qualifies Customers experiencing genuine financial hardship.
What you get Requires a financial assessment and proof of hardship.
Common gotcha This is a one-off payment; you must demonstrate a plan to manage future bills.
Regional Pensioner Travel Card state · Department of Transport
Who qualifies Pensioners living in regional WA.
What you get Application via the Department of Transport website.
Common gotcha Does not apply to Perth metropolitan travel.
Small Business Development Corporation Grants state · Small Business Development Corporation
Who qualifies Small business owners or freelancers based in WA.
What you get Competitive application process requiring a business plan.
Common gotcha Funds are limited and rounds close quickly once the cap is reached.
Department of Local Government, Sport and Cultural Industries Grants state · DLGSC
Who qualifies PR professionals working on cultural or community-focused campaigns.
What you get Detailed project proposal and acquittal report required.
Common gotcha Must align with specific cultural or community outcomes.
Digital Skills for Small Business state · Department of Jobs, Tourism, Science and Innovation
Who qualifies WA-based small businesses looking to improve digital presence.
What you get Proof of payment for training services required.
Common gotcha Only covers approved training providers.
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