Mr. John Corrigan:

Currently, it is 20% because, as with any pension fund, it is run on the basis of diversification of investments.

There is a big challenge here. There is €6.8 billion in discretionary funds, of which €1.3 billion has been committed, as I mentioned in my opening statement. That leaves approximately €5.5 billion to be invested. That is the challenge. The challenge is also to recruit those with the relevant skills. The skills are different from those that were required under the old regime. We must get the right people to do the job. It is a much more hands-on investment approach, which obviously has its attendant challenges.