Mr. John Farrell:

Yes. Broadly, in volume terms, we would expect on the motor side to settle approximately 40% direct, 20% through the injuries board and approximately 30% through various stages of litigation. If one looks at that in value terms, it is a little different: approximately 15%, by value, would be settled directly; 5%, by value, through the injuries board; and the vast majority, 80%, would go through some form of litigation-type process, not necessarily to full court but involving a litigation-type process.