Mr. Gerry Hassett:

One headline number would be that, in 2018, there were 22,000 injuries cases filed in the courts. Let us take the 1,200 figure, the PIAB figure. That is 5%. It may be they are proportionately higher - I do not know - but we are certainly not flooding the courts with lots of cases. In the Central Bank report, the annual filing went from 14,000 to 18,000 over the past five years. At 1,200 per year, even if they all went into court, I do not see how it is the insurance companies that are clogging up the courts.