Mr. Seán Quigley:

The growth fund, which is the long-term fund, is used for wards of court. The strategies are changed from time to time based on the advice of our investment advisers. Wards of court have day-to-day needs also. A portion of the growth fund is retained in a cash fund, which is a cash strategy relating to the Euribor plus fund. The equivalent of three years' cash flow is retained in the short-term fund and the other portion is invested in the growth fund for the longer term in order that the short-term money is not exposed to fluctuations in value.