Mr. Ken Murphy:

We probably have. There is a theme that we have not considered here but I believe we are all in agreement on it. We have heard how technology can improve and reduce the incidence of uninsured driving, which is clearly a serious factor here, but that is uncontroversial. The insurance industry is hardly likely to admit it if it was involved in an agreement, decision or concerted practice which had the object to effect a prevention, restriction or distortion of competition in the EU or if it was involved in anything anti-competitive.