Mr. Declan O'Rourke:

We will take a reduction into consideration. It is the biggest part of our inputs and pricing so we will take it into consideration. If one looks back, because we cannot look forward with pricing legislation, one can see that when the injuries board was established premiums dropped dramatically fairly quickly. As the market has returned to profitability over the last couple of years one can already see decreases across the market, particularly on the motor side.