Mr. Michael McAteer:

On the Deputy's first point, I must state that on a professional basis, when we went to Cavan, the majority of both the staff and management within Quinn Insurance Limited acted in a professional manner. Neither I nor any of my staff were treated with disrespect in any way and the Quinn Insurance staff should be commended in this regard because of the uncertainty they faced regarding their own livelihoods and future. As for the estimates one puts before the courts at any time, it is fair to state we based those estimates on the information provided to us from both internal and external sources. In hindsight, an over-reliance on those numbers is one reason the figure is where it is today.