Mr. Dónal Clancy:

I do not believe there would be one. I believe the market would equalise. More younger and healthier people coming into the market would reduce the cost of insurance overall because the risk is spread across a broader base. People who are younger then support the older and as they get older are supported. The key is that they should join younger. If people join later in life it is bad. Unfortunately a significant number of our consumers under 50 are leaving the market. If one looks at the lapsers, the number of those leaving the market is significantly higher than the overall profile of the entire market.