Mr. Kevin Thompson:

We accept that there are multiple factors. We want to try to get stability into the marketplace in order that we do not have volatility. We want consistently in awards and pricing as well as in terms of the level of awards for particular injuries. We are keen to get consistency into the marketplace. There is another point relating to Setanta. If we can get consistency around what happens in a failure, or not, it is the unknown. It is very hard to price for unknowns. The more certainly we have, the easier it is to price, and then that feeds through to premiums.