Mr. Seán Ó Foghlú:

It might be useful to clarify overall costs as well. We estimated that the cost in the local authorities and VECs, as they were at the time, was around about €10.5 million per annum. There was also a big demand for development of their computer systems. The key aim has been to get these costs down. SUSI has taken nearly all of the renewals from the local authorities and ETBs, although not all. The operating cost of SUSI is now €8.9 million. That means there has been a reduction from €10.5 million to €8.9 million. Yes, there has been investment in the interim. We hope, over a number of years, to get the €8.9 million figure lower. The aim was to move from a cost of €10.5 million, with a demand for extra resources, down to a running cost below €8.9 million a year. That is our aim over a number of years. Obviously additional investment was needed in the first year. Some of that investment was needed for systems, and we need more investment in systems. Some of it was a result of the way in which the processes were set up, the particular peak in applications and documents and all that happened in the October-November-December period of the first year.