Mr. Philip Bradley:

That is the percentage of claims where we think there is sufficient proof to bring them to the Garda.

I mentioned to the Deputy earlier that we identify about 4% of our claims costs as fraudulent, so fraud is not the biggest issue by any means. We are not portraying it as the biggest issue. Only a small number of claims are referred to the Garda where we think there is a realistic possibility that they will be proved and prosecuted