Dr. Cyril Roux:

I will answer the Senator's last question first because it goes to the heart of the matter. It seems to me that the factors at play in motor insurance over the insurance cycle in Ireland are very directional. It takes time to see them emerging, but I think they became clear in 2014 and 2015. Better and more data would have enabled us to fine tune the weighing of the various factors but I do not believe they would have changed our supervisory engagement that significantly. I do not believe it has a direct or even indirect bearing on the current premiums asked of policyholders. I understand the difficulty faced by the Senator's constituent, but it cannot be related to the granularity of the data we do or do not have.