Ms Josephine Feehily:

I have to keep correcting the Deputy that it is not in advance because the legislation states "on or before". When it is on or before it is at the person's choice. I certainly hear what the committee members are saying. The commitment I am making is that when this campaign is over, we will have a good look at this. We will see in the light of patterns chosen by people what the new numbers are. It is not reasonable to come to any conclusion based on the half year. We need to see what happens when people have to pay the full year and establish what proportion of people still prefer to use cards. I will look at all of those angles, including the risks, security and the costs to us and the taxpayer because we will pass them on to the people who chose those payment options. Certainly retaining details with one of those companies the Chairman discussed has a cost. I will look at all of those things. We will take a very serious view and look at it after we get past this filing season.