Mr. Gerry Hassett:

If I may respond, the alternative is to run everything through the courts process, run everything down to the very end and incur all the additional costs of that. Those costs would also be dumped on the people paying the premiums. We are trying to use our judgment. If we know that the likelihood in a whiplash case is that the outcome will be an award of €20,800, why should we go all the way?