Dr. Cyril Roux:

Let me put myself in the shoes of a potential entrant into the Irish market - as the Chairman knows I have worked in an insurance group for ten years. The publicly available information in Ireland combined with the knowledge of the market gained from the intermediaries that operate here is sufficient to enter the market. I do not think there is such a dearth of information that would prevent new entrants to the market. I do not think that is the case.