Ms Niamh O'Donoghue:

As I said, the activation process was a particular process that we were asked to put in place when we started this process and when the roll-out of public service cards was in its very early days. We came to a conclusion some time ago that the activation process did not add any value but in a context where we were renegotiating with the card provider about an extension to the end of 2017, it was not an element of the contract we were going to turn off until we had concluded those negotiations. We have stopped that now.