Ms Josephine Feehily:

-----that payment method. There are five other choices which will push that payment well into next year. We are catering for that group by giving them all sorts of other ways to pay which will hit their pocket next year rather than this year. I have already indicated to Deputy McGrath and the Chairman that we will consider this in the context of next year's renewal season, but I am not making a commitment that we will enter into a particular position. I am not making a commitment that we will provide a service that will enable us to dip into somebody's credit or debit card regularly. That is a risk of which I must take account before committing. We will consider the matter and I would be happy to speak about the matter in the middle of next year, when we have examined the matter. I am not making a commitment as it would bring us into a whole different kind of business that we are not in.