Mr. Donal Clancy:

They have many different systems and they have not spent the effort modifying the systems to submit electronic claims. There is not the incentive or will to do it right now. There should be; commercially, it does not make sense based on those figures.

I am trying to be frank in how I answer the queries. I believe we have challenges in the market. There is a version of lifetime community rating that would make sense. We need to incentivise those young and healthy people to stay in the market. It goes back to having a community as broad as possible to pay for those in that community when they get sick. I have a serious issue with those who join late. Some people join late having not paid into the fund for 40 years. Once they know that they are going to get sick and can afford it, they then join.