Mr. Pat Lordan:

It is low. The figure quoted earlier was approximately 3%. It is there or thereabouts. However, there are other areas of fraud in the insurance world that we deal with as well. Ghost brokering is prominent at the moment. This is an area in respect of which we deal with insurance companies on a regular basis. We have dedicated people in our traffic unit in Dublin Castle and they are dealing with hundreds of cases of such fraud or ghost brokering.