Mr. Tom Ryan:

There are two strands. We operate a benefit scheme for players which is entirely self-insured and there is no concept of a premium there. We collect levies from clubs and gate receipts and we use them to fund that programme annually. The 5% and 6% are constant year on year because we try to insulate the scheme from the vagaries of claims in any particular year. We try to build up a fund to use in the event of an adverse year. Typically, the property claims are weather-related, and, typically and unfortunately, the liability claims are not related to injuries on the playing field but to events happening in the club, perhaps in the fundraising context. We also find increasingly as the cost of maintaining facilities increases, clubs have to have recourse to hiring out their facilities, making them available for parties, twenty-first birthdays and so on. Those kind of events give rise to the slips, trips and falls claims which we are finding an increasing financial burden.