Mr. Paul Savage:

Can I address that last point about the access to people in Wexford in respect of the calls? Yes, there have been points along the way where we have had issues with people in Wexford because of the fact that everybody has been flat out trying to process the payments. However, that has improved considerably over the past number of months, which I mentioned earlier, to the point that over the past couple of weeks, we answer 95% of calls that come into the office in Wexford. That is the reality at present.