Mr. David Duffy:

In response to the Deputy's question on the last occasion in respect of the effective 75% tax rate — that is, 50% plus 50% of the residual 50% — we revised the product on foot of discussion. There is no interest on the warehouse proportion. Then we have a write-off based on affordability, subject to the analysis. Should a person have a second income or should his or her granny leave him or her money, for example, that is for his or her benefit as a functioning citizen in the economy without a reclaim by us. We made that decision.