Mr. Neil McDonnell:

That is why we had a difficulty as some of these would overrule each other. Obviously, if one went to a rehabilitation model, one would not technically have a book of quantum at all because it only deals with general damages. From the legislators' point of view, one of the first things they would want to get from insurers is the data. There is only visibility of 30% of the problem and the industry is telling us that there is a huge problem somewhere else, in a big dark pool of 70%. The provision of that information is on a statutory footing in the UK and there is no reason that should not also be the case in Ireland. We have made eight specific recommendations for insurers, one of which reflects their remuneration model. The bizarre thing is that if one takes Ms Murphy's example of the quote increase of 300%, the broker gets 30% of that. We have a remuneration model that encourages people into-----