Mr. Ray Hernan:

There were ups and downs. Our insurance increased over the period. The cost of insurance claims in 2014 was €1.5 million but was close to €7 million in 2016. Unfortunately, that is the environment in which we are working. People have become more litigious. We are a public transport provider that carries 40 million people per year. Our claims are increasing. We are trying to manage those as effectively as we can, but we are exposed. That is just the way that the market is.