Ms Dorothea Dowling:

In case I misled the Deputy, I want to clarify that the court data on the awards made to date has not gone up to the extent the insurance industry has maintained but I can tell him, as a chartered insurer, that it took the volatility out of it. We had a Circuit Court award. A reserve of €38,000 could be put on it in terms of costs, and that was it. They are probably all being reserved now at €60,000 because we do not know what will happen due to the volatility created, but it is not happening yet. It is possible that it has inflated-----