Mr. Niall Cody:

There is a danger. There is also a strong probability that some of them have ceased trading anyway. Every year, we write off uncollectible debt and it is for all sorts of reasons - it could be liquidation, that they have ceased trading with no assets or that they have left the country. Last year, we wrote off €153 million in debt and, in 2019, we wrote off €143 million. That is very positive when we think of the increase in tax levels in the intervening period. In 2020, 2021 and 2022, because of the change in the pandemic, the level of write-off dropped because the level of enforcement dropped.