There should be a much greater onus on the assurance companies to inform policyholders at various stages during the process of what the entitlement might be. There is also, as far as I can see, no responsibility at all upon anybody, be it the NTMA or the assurance company, to tell people after the event that the money has been transferred. Once the notice has been given and the advertisements are in the newspapers, there is no specific obligation on the assurance company or the NTMA to contact potential policyholders or claimants at some stage in the future to tell them that the money is there and ready and waiting to be collected. That is also a deficiency.