Ms Fiona Muldoon:

I do not have much to add. We made a profit last year and paid a dividend for the first time in three years. The technical issue of what one is pricing at versus the emergence of the profit is what makes insurance difficult, and that is why we are all here. We have adjusted. We are fiercely competed with in our core areas. Our average premiums in those areas are down. My colleague, Ms Tobin, might want to comment further on pricing.