Mr. Damian Duggan:

Yes, but we also have to try to get ahead of insurers. If one puts in an insurance claim, the insurance goes up automatically. It is like the people who are flooded three times - insurers do not want know them any more. If a person continually puts in claims, it will either be too expensive or the company will not insure him or her whatsoever. I will not put in a claim for somebody robbing a watch, or even four or five watches, because it is not worth my while and I will end up paying for it through my insurance.