Mr. Seán McGrath:

This again comes down to sector specific issues. Allianz has been a big insurer of schools for a long time. We recognise that schools are under pressure due to the level of capitation grants. It is not open to schools to raise funds from year to year. We take a long-term sustainable approach to our pricing in these sectors and we try to limit the level of increases as much as we can. We are back, however, to the issue of the costs of claims. Those costs have to be priced for.