Mr. Kevin Thompson:

As per the comments of my colleague, Mr. Lowry, there was a 10% reduction, which we passed on straight away. We welcome the work that has been done and the new award levels. We are sticking to the new award levels ourselves in terms of claims assessment, but as per my opening statement, we are cautious because we know that a number of settlements are far less than what one would expect in a normal trading environment for claims. We know as well that there a few cases before the courts challenging the guidelines. From the point of view of taking it on good faith that this will all roll through and the new low level of awards will stick, however, we have passed on those premium reductions.