Mr. Domhnall Cullinan:

Absolutely. Since the financial crisis - we include this as part of that crisis - there has been a substantial increase in our resources. The model we use is more pointed. It is an impact risk-assessed model whereby the resources are devoted most to the places where they might have the greatest impact on the taxpayer. Where previously we would have had a limited amount of resources covering more than 300 companies, we now have substantially more and we dedicate more of them to what we refer to as the high impact companies. There are seven non-life insurance companies in Ireland which we consider to be high impact, which we consider would have a significant impact on the fund if a repeat situation were to happen. There is considerably more engagement with those firms now. Each of them has a specific team charged with its supervision. An actuarial partner from our actuarial team is assigned to assisting each firm in the supervision of the company. We have close and continuous engagement with each firm throughout the year to ensure we would spot any problems earlier.