The Department of Health and Children has completed the preparation of a draft scheme to be submitted for approval by each House of the Oireachtas. The Minister made reference to this. The Department has also made a submission to the European Union's Competition Directorate General making the case for the necessity of risk equalisation in a market operated on the basis of community rating, open enrolment and lifetime cover, and that it does not constitute state aid under EU competition rules. That is another important point which should be stressed.