We have debated this matter over many hours in various committees and the Minister appears to have rather firm views. I have the gravest doubts about risk equalisation and I do not buy into the spurious argument concerning what is called "cherry-picking". When one asks the reasons for introducing risk equalisation, the simplistic, instant response is that it is to prevent cherry-picking. The consumer is not interested in cherry-picking but will buy into the best package available, irrespective of whether that is provided by BUPA, VHI or any other company. So be it. We should not be concentrating on protecting one company but on strengthening competition in the market.