Mr. Ronan Mulligan:

I am not sure whether it is explicit. No. What we do is look at the total cost of claims. We know there will be a certain amount of fraud, as that is inherent in the process. Senator Burke is seeking to price that but I am not sure whether our pricing actuaries necessarily look to say it is explicitly X amount of loading for fraud. If one looks at the premium, about 70% to 80% of it relates to the cost of claims, so that is the number we are trying to estimate. We might break that down between damage claims and injury claims and try to estimate them separately, but I am not sure it is worked out separately how much fraud there is in the system and that it costs X amount. We just know the total cost in a certain region.