Mr. Seán McGrath:

If I make one comment on the previous issues discussed, Allianz has a global view of many markets and what happens around the world. Every single market has potential issues and issues arise similar to the ones we struggle with here in Ireland. The one issue where we stand out compared with other markets is the level of awards. That is the single biggest issue that we need to reform in Ireland.

With regard to fraud, on the personal injuries side, up to 20% of cases have potential issues or signals that we would have to look at and investigate further. We investigate probably one in five cases and not all of these progress to being-----