Mr. Gerard Murphy:

We would bear the costs for the felling and transport. On insurance, we would take the risk. For example, if there is a wind blow, we would take most of that risk up to that point. The risk is shared in terms of the insurance. It must be remembered that we are giving an annuity all the way through, irrespective of whether there is an event such as a wind blow or a fire after, say, year 25. We do not look to claw back the premiums in that regard. However, if the crop fell over, we would fell it at that particular stage. The partner might not get the value he would have got with a clear fell but nor would we.