Mr. Ger Deering:

That was a real difficulty with the six-year rule when it was there. As the Chairman states, one does not know until one goes to draw on it that one has a problem. The legislation provides that where it is a long-term product we can go back further but we would have to get the details. I suggest that the person contact us. For example, some payment protection insurance policies have a life assurance element. If that is the case, it becomes a long-term product. I would like to know more about that before I could comment.