Mr. Gary Dunne:

We have some data. The Central Bank publish statistics on an annual basis, although there is quite a lag to that. We referenced some Central Bank statistics that were given to us that show a loss of between €20 to €30 per €100 of premium on motor insurance; that is for Irish motor insurers. There is evidence to say that Irish motor insurers were losing a substantial amount of money from 2013 to 2015, at a minimum.