Mr. Stephen Mulvany:

Not solely. There is a whole series of documentation, including the signing off by consultants, that we must complete before we can issue the bill. Then the insurer goes through a process. We have a shared agenda with the insurers, that is, to be satisfied that people get a safe quality service at the lowest possible cost. However, over 95% of our bills are eventually paid by the insurer so we do not feel it is appropriate that they would hold our bill until every aspect of their more-or-less continually changing verification process, with which we do not have a problem, has gone through before paying. This is by no means a normal debtor’s collection process. As I said, if it were, it would be built-----