Mr. Jim Breslin:

There are probably a couple of bits. One is the maturity of the scheme. There were previously insurance arrangements in place. As it takes over from those insurance arrangements, in insurance and particularly in clinical indemnity insurance, there is a long tail to lots of the claims. So they could take five or ten years to work their way through the system. We are now building up towards a plateau of the State Claims Agency having the likely number of claims - a full book of claims - at this stage. We have been going through that period.

The other thing that has been happening is that the awards have been changing and in many cases have been increasing, particularly the interest rate. There was a change in the interest rate for lifetime awards which had a big effect.

The last question then, which is where the Deputy is-----