Mr. Declan O'Rourke:

I guess financial institutions buy many different types of cover. Typical examples include directors' and officers' insurance, which would cover the boards of those companies, professional negligence insurance, which would cover financial institutions for cases of negligence, mis-selling, etc., and crime cover for possible instances of theft, in addition to normal insurance policies. There are quite a few possibilities. It would depend on what the action was, but typically in financial institutions we see many negligence actions. We also see quite a bit of crime.