Ciarán Lynch (Cork South Central, Labour)
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Will Mr. Redmond explain to me the modelling in terms of the predictability? Ms O'Brien spoke about certainty. We all try to get certainty but how has the modelling improved? Ms Clarke stated that the forms have become more elaborate. How has that modelling given greater certainty? I think the point Mr. Redmond is trying to make, putting aside the credit issues, is that it does not matter whether the filing took place in June or October because the modelling is so good the predictability can be got anyway. Mr. Redmond might explain to us how the modelling is done.