Mr. Simon Kayll:

We are absolutely committed to the market and to providing indemnity to our members here. Our experience over the past year, since we had a large increase, has not been nearly as bad as the experience prior to that. We do not anticipate that our subscription rates will need to increase by nearly as much as they have done in the past two years. There will be an increase. Everything being equal, claims inflation in most territories is around 7% or 8%, so that is just the cost of a claim that would naturally progress from one year to the next, even if there is no increase in frequency. That is the sort of reality we face in most countries. There will be an increase but it will not be as much as we have seen in the past. We want to stay here and to provide service to our members. While that is our intention, we have to charge rates that we consider financially affordable for the MPS in order that our members can come to us in five, ten or 15 years when they need assistance. If we do not get those sums right, we will not be there for them at that time and their patients will not receive compensation. However, the way things are looking, we intend to be around. That is our expectation.