It is in everybody's interest – and certainly in the interest of the consumers – that a central database be maintained. I assume the Minister of State is about to say we should not be providing for this in the Bill and I appreciate that it would take some time to put in place. However, I believe he and his colleague, the Minister for Finance, should take the opportunity to send a clear message to the insurance industry and, indeed, to the NTMA because, once the State has the money, there is some responsibility on us to account for where it came from. We should send a message that we expect such a database to be put in place within a few years.