Mr. Kevin Thompson:

I can draw it out clearly for the Senator. If she looks at our fact file for previous years, she will see that the industry has been substantially loss-making across all lines of business. We are finalising our 2016 figures and I think they will indicate that the industry, as a totality, has been in a loss-making situation. That has been reported by the Central Bank as well. The figures are out there. We are taking in less in premiums than we are paying out in claims. Those are the facts.