Mr. Michael Horan:

It was taken some 12 months ago, from interface with our insurance company members and from our understanding of the level of flood risk cover that exists. The purpose of our engagement with the OPW in the flood working group is to try to improve that penetration rate even further. As I said, insurance companies are not aware of the flood defence information available to the OPW, nor of the standards to which those defences have been built. That is the main issue. We are trying to get past all the previous debates we have had, which go back and forth after every flood that occurs and in which a lot of mudslinging goes on, on all sides. We are trying to get past that to make concrete, practical progress within the flood working group.