Mr. Conor Faughnan:

Absolutely. As we said - and I totally agree with the Chairman - data protection just seems to be an excuse for inertia. However, the other European jurisdictions, including our British neighbours, are obeying the same data protection principles as we are, so if they can do it, why cannot we? I cannot give the Chairman a good answer to that but I believe that it can be fixed. I believe the companies can be compelled to do it and, as we said earlier, what I would like to see specifically as regards the database, and what the AA would like to see, is definitely for the regulator to be involved there and to compel all of the insurers to properly put their information onto the database, which is not terribly hard, and fine them if they do not. One of our underwriting partners has said that it is willing to be fined for not doing it-----