Mr. Kevin Thompson:

I will respond to the question that was asked about the ESB. The federation has not taken any specific action. I am not aware of any specific action having been taken by any of our members. It is debatable whether the role of an insurance company should be to take action, or whether other appropriate authorities should fulfil that role. We are insurance providers. We are here to assess risk and to try to provide coverage where we can.

Mr. Horan is probably the best person to deal with the issue of subsidence, which has different criteria.