Mr. Kevin Thompson:

What we are saying is that there is data on claims. My colleague, Mr. Horan, will say more in that regard. To give a high level piece of it, if one looks at the private motor insurance statistics published in 2015, they will show that between 2006 and 2013 there has been a 23% increase in claims costs for comprehensive policies and a 38% increase in claims costs per policy for third party.