Mr. Stephen Mulvany:

It is not. In the Chairman's example, he provides a service and issues an invoice straight away. The service the statutory charge covers is effectively the overnight accommodation in the hospital. When one leaves the hospital, we have the capacity to issue the bill straight away but are prevented from doing so because the insurer will not accept it until we provide a whole lot of additional information largely unrelated to what the actual charge is seeking to collect. Then, once they receive it-----