Mr. John Quinlan:

We have led the research on this in our biggest market, the UK. We have a dedicated team on Aviva plus where renewals and new business are exactly the same. That pilot is one year old. The figures are not encouraging in terms of getting more business. People like to shop around and they like the dynamic of going in with a lower new business price knowing that they will pay more over time. We are certainly not hiring people to play any fast tricks with consumer behaviour. There is a broad definition of consumer behaviour, including where people live, fewer buying houses, new types of cover, etc. It certainly is not to penalise our customers in any way.