Ms Kate Tobin:

On the specific point of claims with respect to FBD's process of risk selection, with any individual risk we will consider a great deal of information relating to that risk to determine whether we will take it into the portfolio and the pricing to be charged individually. Claims experience is one factor in that. For a smaller business which has had one claim in a long period where we expect claims to be made because we are in the business of insuring people who will have claims against them, it may not affect the premium, but where there is a repeated instance of claims against a business and we believe this may be an indicator of, say, poorer than average health and safety practices or something different from what is otherwise being experienced in the sector, that may lead to a premium increase.