Mr. Dermot Ryan:

I think the issue we discussed with the insurers was what was available in the market. We made a decision based on what was available to set the rates at 66% - somewhere above and somewhere below. We understand that a number of insurers have indicated that they will have policies which comply with the non-advanced category by 1 March. We were faced with a situation whereby the insurers wanted absolute clarity about what was covered and what was not covered - what was advanced and what was non-advanced - and that is what we agreed to do. We introduced that in legislation. While plans have fallen outside it, we regard that as a temporary situation.