Ms Cliona Loughnane:

I might take the easy question first. The figure of 77% for taxation funding of the health service comes from the recent ESRI report on universal health insurance, UHI. It is based on 2013 figures and states that 9% comes from private health insurance. That is the reason I indicated that less than 10% comes from private health insurance. The other 12% comes primarily from out-of-pocket payments. This, for example, involves people paying upfront for their general practitioner, GP.