Ms Niamh O'Donoghue:

Regarding the annual savings, there are two elements. One is whether there is a change to the actual payment or a cessation of payment in which case we are looking future payments. The control savings is a calculation of the future payments which would not now be made because of the fact that we have stopped it. The other element is overpayments, which is actual cash where we have a deciding officer who has said somebody has been overpaid on the basis of the evidence provided to the extent of whatever the amount is and that is an overpayment. That is hard cash and recoverable as hard cash.