Mr. Philip Bradley:

First, on the profit, the profit after tax for last year was €89 million based on our turnover of €770 million. As I mentioned in my opening statement, we need to look at profitability over a period of years. If we were to look at profitability over a period of five years, on average, we make a profit of approximately €38 million. For every €100 we have collected from customers, we have paid out €98 in claims and expenses.