Mr. Liam Sloyan:

This is an important point to clarify. I am not sure what method Deloitte used but what we did was examine the impact of the proposals based on 2012 data. We did not look at any trends. In other words, we did not say what the impact would be in 2014 but rather what it would have been in 2012. That was the basis on which we made our report to the Minister. I understand the insurers have not seen that report.