I listened with interest to the concerns expressed by Senators, which I will convey to the Minister. The main issue raised concerned the sending of notices to all relevant policyholders every year, regardless of the fact that their moneys would have been transferred to the dormant accounts fund. This issue was raised by Senators John Paul Phelan, Quinn and McDowell. It should not be forgotten that prior to and possibly since these policies became inactive, the life assurance companies have been trying, to no avail, to make contact with the policyholders. It is also significant that it is in the industry's interest to pull out all the stops to contact these policyholders because the companies will lose the underlying funds if no contact is made, although they will still have to administer the policies.