Mr. Tony O'Brien:

As I mentioned the other day, across our two appearances this week, I have taken the opportunity to field all the members of the directorate across the two sessions. I will give notice to Mr. Pat Healy, Mr. Ian Carter and Ms Laverne McGuinness that I will ask them to respond to some of the group responses to this set of questions and others, no doubt, in respect of the next set of questions. I will take the issues in the order in which they were raised but group the responses across all the questions asked.