Mr. Stephen Mulvany:

The insurers are saying this. They have retrospectively withdrawn money from us. The second issue, which is bigger in terms of its impact, particularly in the context of the 2017 figures, is what we would refer to as the insurers' campaign to encourage their members not to use their private insurance when they are admitted through the emergency route, which people are quite entitled to do. From memory, this has caused the bigger difference between income in 2016 and 2017. The first issue is that relating to retraction, in respect of which we are identifying all of other options and will then pursue one of them. We are engaging with the Department of Health in this regard. In regard to the campaign, we are also engaging on it, but that is a different issue and it is people's entitlement, albeit, as indicated, it is-----