Mr. Kevin Thompson:

-----based on the terms and conditions of their policies. As I said, people often look for their insurance product in terms of price. They should look beyond price. They should look at price, the service that is provided by the insurer and what they are actually getting for that price. That is how the market works.

Where people have comprehensive cover, we have surveyed our members and we know that 600 have been paid and 250 are in the pipeline. We will come back to the members and give them the figures in respect of the numbers that have been declined but in terms of declinatures, our members will have received claims in regard to that but ultimately they are third party policies. We cannot do that. That would be flagged as a decline, so there would be elements behind that. We will come back on that.