Mr. Stephen Watkins:

I can only talk about our data. Prior to the establishment of the board in 2003, cases could really only go into litigation. A small number of cases were settled but most could only go into litigation to be resolved. In the cases that are dealt with by the Injuries Board, while the award levels are maintained, the delivery costs involved are quite low. For example, at the time of our establishment, a typical case that ended up in litigation would have had an additional 50% add-on in terms of costs, according to the Motor Insurance Advisory Board, MIAB. In our system, the add-on is only 6% or 7%. Back in 2003 when cases were being diverted to us, they were benefiting from an overall lower cost model which would have been a factor in the cost of claims which, one can assume, had an impact on premiums.