Mr. Seán McGrath:

Until claims costs come down, premiums must reflect the level of claims in the market at the moment. While we want to help and be part of the solution, and we are delighted with where the committee is going in terms of the book of quantum and reforms of the judicial commission, which is the right way to go, and Senator Lawlor, who is here, has introduced the Civil Liability (Capping of General Damages) Bill, until those measures are implemented and we see the evidence, we have to price to the level of claims currently in the market.