Mr. Fergal O'Leary:

From our engagement with the cost of insurance working group and from having had a member on the public injuries commission as well, we have seen that data being hard to come by is a feature of this industry.

What we are trying to do is, first, figure out what subsectors we have to focus on and then look for whatever data there are. There is a lot of it in the public domain and we will try to find some more that currently is not there. We do not want to overlap with what the Central Bank is doing in terms of its public liability data plans. That is the space we are in at the moment with regard to the study.