Mr. Ciarán Breen:

If a case we manage is the subject of an adverse event review during the course of the claim and it is given to us, that has a great deal of significance for us in regard to liability, causation and what we do in the case. If an independent review looks at the case and holds that the facts are established and there has been a breach of duty, and assuming that there is also a causation element, we move to settle that case at the earliest opportunity. I can think of one case a little over a year ago where we got such a review. We did not commission any expert report ourselves, which we would normally do. We accepted the review as the expert report and immediately moved to compensating the person.