Mr. Bernard Gloster:

I will let Dr. Henry speak about the need to return and the CFO might talk about the insurance process forum. On the issue of how to change the culture, I really want to be careful not to be perjorative about individual staff who legitimately did nothing wrong and participated in something they were asked to do. It is important to make that distinction. There is only one way to change the culture of dependency on insourcing, and that is to end it. That is it. There is no other way to do it. You are not going to sit down, have a cup of coffee and talk about it, but you have to end it sensibly and over time. To be fair to the Minister, she really wants to give that thought. I think she has spoken to the Chair and I think she intends to come back to the committee later in the month with me and her officials to talk about how we will do that. Dr. Henry will speak about the need to return.