Mr. John Daly:

Deputy Coffey also asked whether we undertook risk management strategies. We do. We have a very formal risk management process in the company, which is followed up to board level. Management undertakes it and presents it to the board, which discusses it in a two-day away session every year. We identify risks and strategies and decide what we will do to address them. It is a very formal process. Part of the process involves our engaging with numerous parties, as we have outlined today. We look forward to engaging with the Government on its motion. We look forward to engaging with the committee on our involvement with the standard bank account. Mr. Sheehan will comment on his sales teams, which engage with several Departments.