Mr. Brian McHugh:

I will add just one thing in terms of legal costs. We are all aware the Judicial Council will make a decision in that area. One of the elements we thought was important in our market study was to give a greater role to the PIAB because it takes a much less intensive legal route through the process. What the market study showed is the two approaches tend to end up at quite similar points in terms of the compensation levels. One of the recommendations of the market study was to give the PIAB a greater role, which could have the benefit of reducing the overall legal costs for those involved in compensation claims.