Mr. Brian Dunne:

It is but it has a fundamental impact on this industry. There was much consultation about the public bed charges but that has not been seen through. They are probably the most important things. These are insurance businesses so, therefore, they must be managed on a long-term basis.

In respect of our claims figure, we would have about 18% of the insurance market. We have approximately 15% of the claims so this is broadly in line with our market share. In respect of encouraging older people to join, we have a range of plans that attract a range of different people depending on their individual needs. There is an open enrolment system in the health insurance market. We have a range of products. Our people in our call centres engage in detailed individual conversations.