Mr. Stephen Mulvany:

We would have the capacity to issue a bill for our statutory charge within a matter of five or six working days. However, the process that has been in existence for some time requires us to calculate and generate a huge amount of additional material, including around consultants' private fees and all those other costs, in order to submit that to the insurers, even though our only interest is the statutory charge. That causes significant delays in us issuing the bill to the insurers and there are also delays on their side. The reality is that the figure has got worse in terms of what is outstanding, just to get the bad news first.