Mr. Jim Dowdall:

We are seeking out customers across the age sectors in the market. It is important to understand that when one seeks out older people, one also needs to seek out a critical mass of younger people because that is what the principle of community rating requires. One needs a critical mass of younger people to support one's book of older people. We would welcome a redistribution of the customer base in the market and if there is a significant issue for the VHI regarding its older customers, then GloHealth would be happy to take a redistribution of all VHI's book - older members and younger members who are required to support them.

I refer to Senator Healy Eames's question about the value of potentially splitting the VHI. There is an opportunity to redistribute the issue the VHI is talking about where it has the majority of older people but it also has the majority of younger people.