Ms Patricia Callan:

I would like to come in on the data point. What the Injuries Board assessment shows is that it always sticks to the book of quantum. That is why it does not vary year to year. We know that the court awards increased by 30% in one year, in 2014, and we know that the insurance industry has lost €120 million on motor insurance, so it is loss-making. In answer to all of those years in between when this was not an issue, there was more competition in the market. In fact, some of those traders who were trading badly meant that the price probably came down too much and that is why we are-----