Mr. Stephen Watkins:

No. With regard to motor claims alone, between 2013 and the end of 2015, motor claims received by us went up by 4.95%. That only relates to the claims that were received by us. We do not know how many claims were settled at the outset. This year, the number of claims has reduced by just under 1% in the six months to June 2016 compared with the same period last year. Our average awards are stable. By way of example, in 2013 our average motor award was €21,730. The average motor award in the last 12 months to the end of June was €21,782. The figures are almost identical. If one looks at our average motor awards over the past six or seven years, they fluctuate by 1% or 2% every year but are basically stable.