Mr. Brian Mahon:

We are focusing on the additional premium. Over 33% of our customers get a premium reduction and within that analysis customers are identified who receive lower prices than our new business pricing. It does come back to our wish to achieve our target retention rate. We want to achieve our average differential which is 3%. From a loyalty point of view we are monitoring very closely what we do in the UK. We would be more than happy to replicate that. Even without that we brought in a new loyalty programme over two years ago whereby we award a 15% discount for multiple product holdings and free travel insurance to our renewal customers. We do believe in rewarding loyalty within our customer base.