Mr. Tomás O'Midheach:

Our premiums have reduced by 10% this year. A significant proportion of that is associated with the personal injury guidelines. We did undertake to monitor the impact of the guidelines and reflect them periodically as the impact is felt. Upon the initial publishing of the guidelines, we moved in good faith. The actual reductions we experienced on a very small population were above what we initially thought and we have moved again to bring that in line with the experience of that small population. We have undertaken that. As we see, the personal injury guidelines have an impact on claims. We are committed to giving that reduction to our customers.