Mr. Raymond O'Rourke:

They could be. Some of them would be based online. This is the issue. Mr. Conor Faughnan is probably referring to belt-and-braces companies that are based in buildings when he says there are just five players in the market. Many companies come into the market in other ways. I am aware from my brokerage background that they may be sold in certain brokerages rather than in the high street. This is how they come into play. Maybe they concentrate on certain segments of the market, such as farmers or hauliers.