Mr. Fergal O'Leary:

That impression would have come from the Central Statistics Office, CSO, figures, but the Chairman is right. We have had similar calls from people who are continuing to see increases. We said earlier that there a number of issues around prices and premia in this sector remain. Hopefully, the cost of insurance working group can help to bring them down. We also believe our investigation will bring about an additional change in the market, as will the European Commission's investigation.