Mr. Gerry Hassett:

I am not aware of any specific instances. I would note, however, that one of the conclusions of the EIOPA report, which covered 200 companies across Europe, was that there is no evidence as yet that an increasing granularity of risk assessment is causing exclusion issues for high-risk customers, although firms expect the impact of big data analytics to increase in the years to come. Big data analytics is a factor in all industries. It is a growth sector in every industry where one is looking for insights into one’s customers.