Mr. Michael Horan:

We have described the data that go to the Central Bank. In addition to that there are data, specifically InsuranceLink, which is the anti-fraud claims-sharing database that goes right back to 1987. That means that if an insurance company registers a claim, it puts the claim into InsuranceLink and it can see whether there is any match. In other words, if a company puts in "John Smith" and his claim, it might see three matches coming back. It does not mean that John Smith is making a fraudulent claim. The company might take a closer look but there could be a totally innocent explanation. He might have had two or three claims. InsuranceLink enables insurance companies to focus in on some claims because they cannot investigate every single claim they receive from start to finish.