Mr. Stephen Mulvany:

There are two issues arising. The €73 million is the deficit for 2017 in accruals relating to income. The private charges issue in total is all of that. It is important to say that there are two issues in terms of the actions of the insurers, one of which is what could be referred to as retraction, where they are disputing from when we cant start charging and this is giving rise to what is called bad debts or us providing for bad debts. The second issue-----