Jennifer Carroll MacNeill (Dún Laoghaire, Fine Gael)

This is really the year that it kicks in. This is the difficult year. From now on, we expect it to remain reasonably constant for two reasons. First, we expect that the conversion, whereby people are going to convert from the old contracts to this contract, has happened. It has probably reached a critical mass at this point. New consultants will all, of necessity, will be on the POCC, so there is not going to be a variable in the figure. Second, this is the year when it really crystallises. It had been incrementally growing, but this is the year when it really crystallises as far as I understand. We will see the loss, but I do not think it is going to increase. We just have to bed that into our understanding from now on.