Mr. Pat McArdle:

Thank you, Chairman. By way of preface to my opening remarks, might I say that I prepared my witness statement about a month ago. I got the notice relatively late in the day and I was away when it came, so it was late when I got it. Therefore, I hadn't the opportunity to do a full perusal, as I said in the cover letter. So my opening statement will, in some senses, add to that and reflect the benefits of reflection and research over the past month. It, therefore, is a bit different and if this causes confusion to some of the members of the committee, I apologise for that. But I have here with me hard copies of it, if necessary, if you wish to accept them. Do you wish me to give them to you?