Mr. Stephen Watkins:

It is better because more people are using the system. The number of claims received in that period would be a lot smaller than that - I think it is under 30% - but, again, if we focus on the past three years, we see that is when the problem emerged. The 4.5% increase in motor claims between 2013 and 2015 - it was slightly down in the first six months of this year - shows that the problem of premiums seems to have arisen in the last three years.