Neale Richmond (Dublin Rathdown, Fine Gael)
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I thank the witnesses and appreciate their time. There are many areas and colleagues will cover other issues so I will keep my questions quite specific. My question is for Mr. O'Midheach from FBD on something he referred to quite extensively in his opening remarks that I want to tease out, namely business continuity insurance. I have three questions. First, why is FBD still arguing over the costs of the test cases brought? I believe the Central Bank has written to the company on this. Does he intend to respond? Second, Mr. O'Midheach said that €11 million in total has been paid out. Does he not accept that a 5% interim payment is not fair to the businesses considering that most have been closed for 16 months. Third, FBD is reducing the awards by the amount of Government support received by publicans. Will it return these moneys back to the State?