Mr. Ronan Mulligan:

I will address the Setanta Insurance case first. The Deputy is correct, in that the decision has introduced a great deal of uncertainty because new entrants to the market are considering whether, if they play in the Irish market, they will end up underwriting its weakest participant. To some extent, it socialises the potential insolvency of anyone else operating in the market. As to the cost of Setanta Insurance, €90 million is approximately the correct number. I am not sure how to translate that into a cost per policy, as it is a one-off and Setanta Insurance is effectively paid for, but it is a question of taking into account the potential cost of other failures when pricing.

Regarding the Central Bank Governor's comment about a lottery system in the regulation of insurance companies, there is a common standard across Europe, Solvency II, which was intended to harmonise the regulation of insurance companies. While that was welcome, is good and has improved the risk assessment and management of insurance companies, its implementation and-or application will naturally vary across jurisdictions. From a consumer's point of view, it is important to be cognisant of where an insurance company is regulated and to make a decision on same.

I will take the question on the ICF. The Motor Insurers Bureau of Ireland, MIBI, will end up underwriting the failure of insurance companies, but it is funded by a levy on the insurance industry, which is a member of MIBI. That is the mechanism that will be used, in that the levy to MIBI will increase. If one's annual levy to MIBI increases, one will pass that on to the policyholder.

Will Mr. Dunne address the lack of data?