Mr. Alex Sinclair:

We are, undoubtedly. At the beginning of last year, when we got this increase, we had to cancel everything for a month while we all tried to figure out what we were going to do. We cannot quantify the situation, as my colleagues have said. We cannot figure out how the business is operated in respect of facts, figures, numbers and claims and why the insurance companies seem so reluctant to go into court to defend claims.