Mr. John Quinlan:

There are many different alternative risk transfer type models I could reference. I know a particular Lloyds broker was speaking to the Minister, Deputy Coveney, about certain vehicles for this particular sector. There is always a way but there is a level of risk that needs to be retained by the customer. Each and every excess is there already. We are talking about a crisis where no cover is being given and we need to come together to see if we can address it and maybe even accelerate reforms in this particular area.