Mr. Brian Dunne:

It is clear from today's discussion that there are many common views in terms of the structure of the industry. When the legislation was passed in December I do not imagine any of the health insurers were especially pleased or held that it was altogether what they wanted. This speaks to the fact that it is less than optimal in terms of what has come out or how it has been applied. On that basis there needs to be ongoing consultation and that is a matter for the players in this room.