Ms Fiona Muldoon:

There is an important nuance about the point if the book of quantum comes down. As we have said many times in this session, our biggest issue is that the quantum of bodily injury awards made at court is too high. If the book of quantum comes down on its own, the Judiciary must take the next step and use it as the ceiling for awards. The Judiciary must not just alter it but apply it in the court situation. Should that all happen, I would be happy to confirm that I believe FBD will.