Ms Josephine Feehily:

There are two entirely different things involved. A single debit authority, which is like an electronic cheque, allows us to take the debit only once.

If a person chooses that payment option she will have to choose another payment option each year because we cannot turn that one over. It is once and once only. A different category of people will choose direct debit. If the amount they have to pay changes then clearly their direct debit will have to change. That is why I said there might be a blip in our costs because we would then have to talk to them and engage with them if the rate goes up or down.