Mr. Bernard Sheridan:

That was not an automatic conclusion based upon what we had seen. I would say, however, that we were right to go back and escalate the issue to the Maltese authorities. Could we have done any more? I do not think we could have done. We pressed the authorities in Malta to take action, which it did by way of appointing a third party to get to the bottom of the issue. That was the responsibility of the Maltese. In my view, we have acted in the interests of Irish policyholders.