Mr. John Quinlan:

I do not think so and there are a number of reasons for that statement. Some 85% of our business comes through brokers who do their own checking of cover and pricing. We have a high retention rate. People will look at an opportunity with a new business promotion. It can involve utilities, banks, etc. With a company such as Aviva, however, customers will look to see if they will be treated fairly over time. They will want to know if their premiums will average out to be the same as they would have been if they had shopped around every year.