Mr. Tomás O'Midheach:

We fully co-operated with the CCPC in terms of our commitments. As a result of the investigation, we undertook to implement training to ensure there were no further considerations by the CCPC. We also undertook to comply with an annual audit by a third party to confirm adherence to the CCPC. Given that there was no breach of competition law, I do not think there will be a straight line to the cost of insurance to which one could point.