Mr. Declan O'Rourke:

It is the case that some premiums go up and some go down but in terms of the average premium over the market, the CSO numbers and the NCID numbers - both independent views of where the insurance sector is at - show there have been dramatic decreases. In six quarters, the NCID showed that premiums dropped by 9%. The CSO figures up to the end of 2019 and from 2020 onwards are showing a further 7% drop. That is a 16% decrease overall. There will always be some-----