Dr. Fergal Lynch:

We expect to be working very closely with other Departments on insurance issues over the next number of weeks and months. This is a matter that we can raise. As I understand it, a number of insurers have extended their terms for three months so that the next insurance bill will fall due three months later. If there are any instances where insurers are not giving refunds that is an issue of concern that we would certainly raise in the context of the work we will be doing on insurance generally.