Mr. Seán McGrath:

We do explain as well as we can to our consumers the reason for increases. We do that in many different ways, such as newsletters, and we try to give them as much of a breakdown as we can on their policy.

Regarding commercial business, most of the discussion would happen with the broker, in terms of trying to explain the rationale for movements in pricing over time. Often, when we have a sector that is difficult, the discussion with brokers has gone on for a number of years. We try not to just react in a knee-jerk fashion to any one bad year. It is usually an area where we have had profitability issues over a number of years and we cannot find a solution other than having to increase. That discussion takes place with the intermediary who has been appointed.