Mr. Seán Ó Foghlú:

It would not have been €4.1 million. To answer the Chairman's question further, we have already reduced costs to €8.9 million and we will be seeking to reduce them further. That will require an estimated €1.7 million in additional capital investment in ICT systems. We will reduce our costs significantly by that means and SUSI will be retendering for the outsourcing, which I hope will further reduce costs. Costs will come down in a number of areas over time.