Mr. Bernard Byrne:

Contractors are not be included. It depends on the nature of the contractual work. If a contractor works full-time and has been with us for a year then he or she will be included in the staff figure. However, if a contractor moves in and out of the workplace to work on various projects then they will not be included. Long-term the headcount is reducing. A headcount reduction will take place in the financial solutions group. A reduction will also take place in respect of the tracker programme but some of those positions are contractual positions. I mean contractors are engaged to do specific work at specific points in time. There are countervailing pieces on the other side, which is increased complexity in operations and what we do on the regulatory side. It is not all one-way traffic in terms of headcount issues. The Senator has referred to two situations that are true but there are other issues that act as a counterbalance.