Mr. John McKeon:

It varies by scheme. We generally pick 1,000 claims at random. We then write to the people with those claims and ask them to update any changes. We then take a sub-sample of those and ask inspectors to carry out a review of some of the cases where there are issues arising. In medical schemes we might ask the person to see a medical assessor. It varies, but predominantly it is desk based. There would be in every case-----