Mr. David Muiry:

I wish to make a minor arithmetical point. We should remember the scale of the total volume of claims in the system. I do not have the exact numbers, but the value of claims paid in a working day by the insurers here is approximately €10 million, which means an amount of €100 million is equivalent to approximately ten working days of processing time. There will always be a double digit million number in the system of the most efficient insurers.