Clearly, as I said, there is no green light from Europe for what the Minister is trying to do in this Bill with regard to the concept of risk equalisation. Final judgment is suspended. However, a judgment has been made by a person of some significance who is a European expert, former director general of competition policy and former head of legal services, Professor Klaus Dieter Ellerman. In his view, which was cited in the Dáil by former Deputy Des O'Malley in December 2000, there is no doubt that risk equalisation in the private health insurance market is an unlawful state aid.