Mr. Walter Croke:

It is as a result of the meeting we had with the former Minister of State, Deputy English. As the Senator said, it is complicated. It goes back 30 years. We explained to him that under the Pensions Act 1990, in 1992 we were entitled to three options. We only ever got one. Since 1992, the Irish Pensions Trust Limited has insisted that we were given the options and that we chose to accept a refund of our contributions. In accepting one of the three options, you would have had to indicate to the trustees of the fund, based on the three options they supplied you with, which choice you made. The individual would have signed in relation to their choice, the trustees would have signed to witness the choice and Waterford Crystal would have signed to witness the choice also. From very early on in this situation I said I never got those three options. The formula is there and the method based on which I was supposed to get these options is there. I would have signed these options, as would the trustees and sponsors. I could have torn mine up or burned it but there are another two copies attesting to the fact that I agreed to this option. I asked to see those-----