Mr. Ger Deering:

As I said earlier, we will not get involved with commercial discretion. If there are discounts for various things and they are available, transparent and open and people in the same circumstances can get them, whether that is for buying online or for new business, I would treat that separately. I would see it as separate from a case where there is something happening in the background that the customer is not even aware of, where he or she is somehow being profiled for reasons that have nothing to do with the insurance product or the risk the individual poses as an insured person. If someone is being discriminated against or treated unreasonably or improperly compared with someone else who is in the same circumstances, we would certainly look at that from a reasonableness and fairness point of view.