Ms Dara Breathnach:

There are a number of different things, including a provision for up to €14.5 million for the historical employer-deemed insolvent applications and another provision of €500,000 per year, plus a cost of €172,000 per year for Department of Social Protection resources for the processing. We also had a provision of up to €500,000 for necessary IT development, but the Department has been able to deliver that at a significantly lower cost. There is a possibility of certain minor savings annually through the application of the cap. We are accessing those savings at approximately €4,500 per year.