Mr. Kevin Thompson:

I understand the figure the Chairman is trying to get to, and I will put some context behind that. The premium is ultimately driven by claims and by the standard of cover one has. If a policy holder elects to have a higher excess then the premium could come down, and vice versa. If the Chairman is asking me to produce a figure of where the excess is and where the premium is, it would be hard for me to tell the committee what we actually impose and what a consumer chooses to take.