Mr. John Cahalan:

We have many cases that are adjudicated by the Injuries Board, first, and, second, by the courts. That sets the value.

We are then looking at the question of whether liability is a question. There can be wide variance between our view of the value of that and the plaintiff's view of the value of it. Ultimately, if we cannot reach an agreement on it, the judge will decide. Another part of the problem was the underlying variability in taking cases to court. I have expressed the difficulty, particularly with soft tissue injury, in defending against it. If someone says they are injured, they are injured unless I can tell them they are not. We are not talking about anything that is evidentially based.