Ms Josephine Feehily:

They are making a choice. Mr. Gladney can tell the committee based on speaking to his staff and the staff in Abtran who are answering the phones that a significant proportion of people are saying, "I want to get this out of the way so that I know how much money I have left. I want to plan my spending and i want to pay it now. How do I do it?". Clearly, if the law said we could not and should not then we would not.