Mr. Jackie McMahon:

Absolutely. We completely empathise. As a customer and family man, I understand that but it is important that we charge the appropriate price for the risk. We have come from a position in which the market was chronically underpriced. All insurers had to significantly pump money into their reserves. That is not a good position; it is not a position we want to be back in. From FBD's perspective, it is important that we be competitive. The market dynamics will dictate such. It is important that we can cover our costs so that in the event of a claim, we can make the payments. We have seen the cost and frequency of claims increasing over the years. That is beginning to stabilise, which is good for our customers and society as a whole.