Mr. Ciarán Breen:

We have a clinical risk management unit, which is headed up by a doctor. That unit comprises medical practitioners, nurses and allied health care professionals. One of the objects of what they are carrying out has two elements. They carry out site visits to hospitals. Really, it is a kind of audit of what a hospital is doing and how it is managing its clinical risk, objectively looked at by them. Also, critically, they examine the lessons learnt by looking at closed claims and how they translate - what were the functional deficits in terms of clinical risk - and feed them back into the system.

We have concentrated largely on the area of obstetric risk, which, even though it counts for only 25% in terms of claims volume, can be has high as 60% in terms of payouts. We are just finishing now a review of the 19 maternity hospitals around the country in which we looked at them from a best practice point of view in terms of obstetric medicine and some of the deficits that we might have identified. That is a very active area of our business and we are constantly doing that. We do it on the non-clinical side as well, with all other State authorities.

Deputy Connolly's second question then was-----