Mr. Declan O'Rourke:

I cannot speak about the future, but I can outline what we have done. The decrease in the past six months has been the largest decrease I have seen in my career in the industry. This has been anticipated by the market. It is happening. It will continue to happen as we find out the behaviours of the solicitors, the judges and the claimants, and we can be more certain about exactly what the amount is. That is what happens in any insurance market.