Mr. Kevin Thompson:

Correct. When he joins Insurance Ireland, he receives access to InsuranceLink, supported by an outside vendor. That allows him to combat fraud. He may decide that is of value to him, but equally there are companies that may decide it is not of value to them and they do not want to enter. There are niche players. We have many foreign insurers that write business on a freedom of services basis, in that they are not based here and write from London or wherever. They may equally decide that the service is of no use to them. Therefore, it is up to the individual person. To get to the nub of the question, do we restrict anybody or act as an impediment to anybody coming into the market? No, we do not. I believe that is the most important point. If someone comes to us and he or she wants-----