Mr. Kevin Thompson:

We believe we do. I refer to the private motor insurance statistics published by the Central Bank in October 2015 covering the insured years from 2003 to 2013. To give the Chairman an example of that, it breaks down the settlement rate in terms of how quickly claims are settled over different years. It also breaks down the costs per claim based on age profile, so there may be an age profile between 17 and 20 years, 20 and 25 years and between male and female drivers. The private motor insurer statistic also shows in its appendix, not on a name basis but with an indicator A to Z, the profile of each company. For example, it shows that Company A seems to have more young drivers than Company B, and that Company B has more older drivers than Company C. It is all broken down and is there for people to see.