Mr. John Dunne:

I do not think anybody envisages it will be for free. We have stated on the record for a long time that we are willing to talk about co-payment. I mentioned earlier the insurance model because it seems to deserve serious consideration but the great chance to do this in the context of the universal social charge has been possibly lost. With regard to the fair deal model and integrating the two funds, the problem is the fair deal model is made up of three contributions and if people are caring for someone at home it really does not make a whole lot of sense to take most of their income or savings, and if the house is being used as a care facility it seems a bit rich to take that. It would need to be a different model. I agree with Ms Deane that it is early days in the discussion. To be fair, nobody is suggesting it will be for free.