Mr. Patrick O'Sullivan:

I will not, Chairman. That was supposed to be slightly humorous. This organisation should be able to avail of interaction with the social welfare authorities to establish the income payment capacity of clients or with Revenue or with both. It may have issues of data confidentiality etc. but it would simplify hugely, and have a huge cost reduction benefit, to have access to that information for the people making the credit decisions. They would not have to go out and make all the investigations because the information would be available to them. In the environment we are in, where everybody's PPS number is available on different platforms, we should have access to a clean system that is not subject to fraud.