Mr. Jer Buckley:

I think the Irish Brokers Association, IBA came up with that figure, which we are quoting. We have audited areas ourselves, and we must be careful when doing an audit to build trust. We also have to be careful when sharing the information because we do not want to flag up a particular neighbourhood that has an issue. I think that would be very unfair and would put them at a disadvantage. We know ourselves from having gone into areas and checking them out, and our survey in Galway proves that, where 60 of the 130 households in an area where flood protection measures were built in 2011 today still cannot get insurance.