Mr. Bernard O'Regan:

When one reaches the end of the year, effectively, one has a loan from the HSE that now needs to be repaid. One's conversation with the HSE, as part of one's service agreement for the following year, is about how that will be repaid but the underlying issues remain. Effectively, one could be in a position that year where one is again getting cash advances. The position can accumulate and worsen unless something happens in the year -----