Ms Fiona Muldoon:

My colleague gave those examples to focus not on the amount of the award but on the quantum of legal costs associated with it. I think that was the point of highlighting both the bodily injury award that was made and the plaintiff's costs associated with that award. It is important to remember that we are an insurance company and we are in the business of paying our claims. That is why people come to us and give us a premium. It is our business to settle claims at the best and earliest possible opportunity for a fair amount of money given the relative injury or loss of property. That is the business we are in, so I think-----