Dr. Fergal Lynch:

That question was raised this morning, and not unreasonably. We certainly need to develop our skills. We do not use the skills in the Department or the HSE or in any one agency. We have seconded people with specialist actuarial and financial and other skills. We buy those skills in for a period. We do not operate under the illusion that we have all the answers or the skills built in. There is a strong acceptance that in the hospital system we need to grow and develop hospital managers and finance managers to enable them to deal with universal health insurance and specifically, as Senator Crown said this morning, in respect of money follows the patient.