Mr. Tom O'Brien:

To take the statistics in that regard, we only collect about €400,000 or €500,000 a year in money recovered from uninsured drivers. The primary reason for this is that most of the uninsured drivers are people without means, so they are not able to pay a lot of money back to the MIBI. In comparison with what we are paying out, perhaps €70 million a year, what we are able to recover from individuals who have caused the accidents is very small.