Mr. Stephen Watkins:

Yes, through the board. It depends on the way one looks at it. We have no control over cases that will not be pursued, that will be settled or which the insurer does not consent. We can only assess cases where consent is given, and that is what we do.

Another point is that we do not know what happens to our rejected cases. It may be that some of them are settled some weeks later for a small additional or that many of them end up going into the costly litigation system. We do not have that breakdown.