Mr. Simon Kayll:

Actuarially, the risk for him or her has not changed but we put all our private consultants into a pool. At the moment, we do not have a mechanism to rate more specifically on the quantity of work they do. To do so, it would mean we would need their income or some measure of their work. That is something to which we aspire, but at the moment we do not have the facility to do that and, therefore, we have to rate them as a pool. I appreciate those who are doing less work are paying proportionately a bit more and vice versa,but that is the reality of where we are. We have aspirations to change that in the future but it is not something that can be done quickly or easily.

In regard to Senator Crown's point about us throwing up our hands, the times are very challenging in Ireland but, as I said, we are committed. We are very much the predominant indemnifier in Ireland. We are owned by our members. As long as our members in Ireland want us to stay here – we believe we can do so in a financially responsible way - then we will face these challenges and we will stay.