Mr. Brendan Gleeson:

That is possible, but it depends on how it would be set up. I am not an expert on insurance, but some insurance policies pay out some dividend at the end, even if the catastrophe does not happen. The positives are that people need some cover in some circumstances. The negatives are that it might impose a significant administrative burden and that some of the money might leak to administration costs, the insurance company or whatever else. It is something that needs to be considered, but I am not sure if we want a regulation that will insist on us doing it.