Mr. Tom O'Brien:

To articulate what Mr. Fitzgerald said, we compare what is taxed as of the end of the year, 31 December. We take what is taxed and what is insured at that point in time. We crash the two numbers together and figure out what is uninsured out of that. We have tried to use taxed vehicles as the control because we really have no idea as to which vehicles are untaxed. They may be insured but we have no idea if those vehicles are actually being used or if they are sitting in a yard somewhere or under a "sale sought" sign in a garage or something like that. It is very difficult to figure that out because, unlike the UK, we do not really have a system whereby vehicles are taken off the road in a formal sense. The size of the motor fleet could be very large, but at least if they are being taxed we know they are being used.