Ms Fiona Muldoon:

They are selective to make a point. We reiterate that the legal costs are a significant component but our central message, no more than that of Allianz, is that FBD is stating that the level of bodily injury awards, particularly for soft tissue injuries, made by the courts is too high. That is our central message. We provided some selective examples to demonstrate what is going on with legal and medical costs as well. Our central message remains that the best way to lower insurance costs is to lower bodily injury awards.