Mr. Seán Ó Foghlú:

We have them in place in various forms. We could have repayment by deduction from a salary or pension. We could have repayment in part by a lump sum, we could have instalments or we could deduct from the retirement gratuity. Indeed, sometimes we could make it a repayment from the estate of the deceased. There is a variety of arrangements that we would put in place.