Ms Josephine Feehily:

We offer that flexibility on the basis of a single debit authority that people give us now. That is what I meant about offering flexibility "around the margins". People give us the authority now, thereby allowing me to secure the tax. I have a commitment. They can pick any date between now and 21 March to give us permission to collect that money. We give the concession in a managed, ordered way where people have given us the authority to collect from their bank accounts. If they do not want to go the bank account route, they can tick the service provider box, go to a post office on 2 January and pay us in a lump sum. It is simple. There are options.