Mr. Anthony Brennan:

Unfortunately, the challenge is that from the point of view of the claims environment they are no different from commercial organisations. We have recently seen claims against community groups which might not have been made years ago. The environment today is that people do take claims even against a group of people who have put their time in for free, doing valuable work for their community. That makes it very difficult for us to price any other way than by considering the cost of claims that these groups will incur and allow for that. It goes back to delivering on the cost of claims. Reducing those will help the community groups.