Ms Josephine Feehily:

I am not sure, and I am not giving the Deputy a smart answer. The people who paid in full will have to be written to again in the context of making another return for next year and so on. We will probably provide an opportunity for other people to continue their direct debt and to continue the deduction from salary and only to come to us in exceptional circumstances. The Deputy should take all this as "probably". We had to get through this and learn from it. Now we have to figure how to do it in the second year.