Mr. Denis Maher:

I will answer one further question and give one further clarification. As you know, the Minister removed the board on a no-fault basis on 14 February. One of the reasons for that is that the recommendations of the Bradley report were not implemented by the board. That is a simple issue that arose. Also, it is being characterised here that IFI is in some way board-less or directionless. That is not the case. Section 18 of the Act is very specific that the appointees are carrying out the full functions of a board. There is no board per se. In other words, under the Act, there are ten members of the board, one of whom is ex officio, but there are nine persons appointed by the Minister.