Ms Teresa Kelly Oroz:

I do not know. They published the paper, which is quite detailed. We can forward this to the committee, so members can look at the exercise they went through. That was carried out by the Department, which considered the current regulation it has in place for those schemes and how much more it will cost to put on the IORPs regulation. We do not know, however, how quickly that was done. We would certainly be happy - and I am sure Insurance Ireland would also be happy - to assist the Minister in providing any information she might need to carry out that cost-benefit analysis.