Ms Moyagh Murdock:

I might just step in here on the trust issue. We appreciate that we have come through a turbulent time with the crash and that there were casualties involved in that but we have to acknowledge the role the Central Bank has been playing with all of the industry in recent years. Solvency II is one of the outcomes of that. It regulates and ensures that all the providers in this country are properly capitalised, have good prudential regimes and internal governance and are catering for risks and scenario planning. We are in a different place with regard to regulation, transparency obligations, the inspections the Central Bank conducts on our members and the relationship it has with our members. It is an intense and robust supervisory regime that we have in place. There is a price to pay in the cost of regulation but it also makes Ireland an important place for providers to feel they can come and do business. Trust may take time to build up again but we can demonstrate that we are compliant with all of the resolution and recovery regimes, and with the Solvency II and capitalisation regimes, for our customers and the consumers out there who have invested and put their hard-earned cash into pension schemes. That will continue in the future. I have forgotten the Senator's first question. Perhaps Ms Thornton will answer it.