Mr. Paul Redmond:

On the point about the right of the individual to have a case heard in court, at some point in time we will have to face up to this issue and resolve it in some way. We must resolve the right of the individual versus the common good. It is a classic old debate. The way our system is working is highly dysfunctional, but we must find a way of balancing the rights of the individual and the common good in regard to giving us a market insurance that will work.