Mr. Stephen Mulvany:

At March this year the total figure was about €150 million. If I could just put that in context, which is important, one of the measures we use is how much of that outstanding debt is on our side, either in our processing or in our consultants not signing the forms, and how much is with the insurers in their processing, their delay or, to be quite frank, their "pending" of our claims. That is improving. The percentage of what is with the insurers has now increased, it is about 61% of the total.

Where this is going to end up is that we are in the process of negotiating - although no negotiation can be predicted until it is finished - to improve that collection process by seeking agreement with the insurers. We have three of them engaged in detailed negotiations and are nearly finished with two, I believe. This would involve us receiving a form of advance payment. It will improve the payment process so that we will be able to issue a bill shortly after discharge and will get paid upfront for a percentage of our cost while the rest will flow later.