Mr. Ivan Cooper:

We will come back with a number of the cost of compliance but I will give a ballpark number because it is possible to come to some conclusions. Ms Garvey mentioned the 5% figure that applies to us. Sector income is at €14 billion per year. It is a huge sector. If one was to apply 5% to that €14 billion, it would come out at around €700 million a year. Those are the unfunded costs of compliance that are most likely being contributed to by the fundraising income. As Ms Garvey noted, voluntary organisations have complex income structures. Many have fundraised income, earned income from ticket sales from activities and events and, perhaps, some grant funding income. The mixture of those three types of income source gives stability to an organisation's finances for those lucky enough to secure some statutory funding. It is often the fundraised income and earned income components that together are used to fund the core costs, such as administration or overhead costs or whatever we want to call them. They are essential costs and are often related to the costs of compliance. We will come back with a harder number.

What was the question on insurance?