Mr. Kevin Thompson:

We support and welcome everything that has been done but we are cautious. We have taken what we have seen on good faith from a small sample of claims at the lower end of value which have been assessed by PIAB and one or two court decisions. We have looked to pass on the benefit to customers. Our area of caution is around how these cases will ultimately be contested in the courts. There are one or two cases before the courts contesting the guidelines. We have to watch the rejection rate, and that rate has increased. We are open-minded from an RSA perspective. We monitor it with an open mind and will adjust quickly as things develop. If they develop in a positive way, we will act in a positive way.