Mr. Jackie McMahon:

I thank the Vice Chairman. Ultimately, there is a great deal that can be done to improve and lower the cost of insurance, which is the overall aim. However, the fundamental and key issue is the high level of payout and the high cost of getting to that payout. The more we divert ourselves on other ancillary areas around that, the more we stay away from the core issue that is affecting us. The committee will appreciate that the challenge is in trying to address that. That is essentially what needs to be addressed.