Mr. Michael Horan:

I am happy to build on what Mr. Thompson has said and answer that question. Regarding accessibility of data, we supply data to the Central Bank of Ireland. Insurance companies supply many individual returns to the Central Bank of Ireland. They supply their net underwriting revenue accounts for their total business. They supply net underwriting revenue accounts for accident insurance, motor insurance, marine, aviation and transit, fire and other damage to property, liability - these are all individual returns - credit and suretyship and other classes. All of these individual company returns are supplied to the Central Bank of Ireland, which then produces an annual report, insurance statistics, which is available on its website. Members can see all the individual company returns, and the market returns for each year. That is one service we provide, and it is there for anybody to see. That is also available through a software programme, which is available from a service provider, where people can interrogate the individual forms, look at claims development patterns and so on. One can see how claims and the cost develop over time.