Mr. Conor Faughnan:

For most categories, our prices should be a little better than the average. The Senator will not find that to be exclusively true because, as everybody will know, prices are variable. When a customer is being rated on an insurance engine that is generating a price, account is taken of many factors, excluding gender but including age, car, profession and other standard risk factors. All of this information is processed by the software and a quote is issued, which is then presented to the customer.