Mr. Gerry Hassett:

The first half of the Deputy's statement, that companies are getting more into data analytics, is a statement that could be made about any industry on the planet. Genetics in particular is an area that needs very careful consideration. I am not aware of any company specifically using genetics. This is an issue that is much bigger than insurance. How artificial intelligence and machine learning are deployed in consumer or commercial markets is an area that will become an emerging discussion point. They can add value but clearly there are areas where people can be hurt if companies stray over the line. We have to get the balance right.