Mr. Dónal Clancy:

Many of the queries have been answered. Deputy Kelleher asked about incentivising younger and healthier people to stay in the market. We agree there is a dilemma for sure. However, with regards age at entry and lifetime community rating, if that were brought in today, it would have a significant impact in encouraging young people to stay in the market. The removal of the levy from children would be similar. There is also the impact of the levy itself. Those are three significant items that would make a difference.