Mr. Kevin Thompson:

There are two things there. First, as an industry we support the ambition of Deputy McGrath's Bill, which is to increase coverage. We are not in dispute on the ambition of the Bill. Our firm view is that the memorandum of understanding, MOU, has increased coverage and continues to do so. We are working with the Office of Public Works, OPW, to increase the coverage even further. I did not say the data were not valuable. Obviously, data are valuable. The point I am making is that, as an insurance body, we do not collate information around particular underwriting protocols or the reasons behind individual companies' underwriting decisions. That is proprietary to them. We do not collect that information. We collect information at a very high level which does not infringe any of the proprietary rights of our individual companies. That is the reason.