Ms Patricia Murphy:

I can provide the Deputy with the specific figures but they are generally above those in the UK, particularly in terms of individual arrangements. On the defined contribution schemes, the comparator we used was the reduction in yield and this is 0.45% to 0.9%. The reduction in yield relating to the UK stakeholder pension is 1% to 1.63%. The typical charging structure for standard PRSAs is 1.27% to 1.57%. These are closer to the UK stakeholder pension and both are slightly less.