I would love to think that, as in other areas, we could have competition from many other parties in health insurance. At present, there is only the VHI and BUPA and it looks as though it is unlikely that we will find others easily coming into this marketplace. If we open the doors to normal competition which we should encourage, we will find that we will not be able to cater for some people, particularly the elderly. The younger people tend not to get ill. With normal competition, those who join will be able to come in at a much lower rating and a provider like the VHI, which is stranded with the older population, will not be able to survive in the long term.