Mr. John Cahalan:

Just follow the money on this one. In accident year 2017, FBD made a margin of 7%. In the past four years, we had two years in which we made a loss. There are published audited accounts. FBD is not making the money. Where is the money going? It is going to the claimant and to the people who get the fees in getting it to a stage where a decision is made.