Mr. Gerry Hassett:

It is a really disturbing development where essentially people put themselves forward to arrange cover for people such as migrants or others who are in very vulnerable situations. Those people pay over money in good faith, believe they have a contract and it is paid for by a fraudulent credit card but the contract is voided and they have no way of knowing. Such incidents vary by company. It is something that ebbs and flows in the marketplace and, as an industry, we want to get better at identifying the signals. I am not privy to the precise details on this but my sense of it is that some companies have been more affected than others. I do not have the detail as to who that might be but there is a sense people are targeting particular companies because they believe they may have a better chance of getting away with it with certain companies.