Mr. Aidan Connaughton:

If the Deputy takes the example I gave earlier, about 700 claims between April and November were settled. Of the 700 claims, only 86 went into PIAB for judicial review. Of the 86 claims that went to PIAB, 70% of the motor awards were rejected and about 40% of the liability awards were rejected. It will take a number of years for claims to wash through the litigation process before we see the full impact. The Deputy is correct that the awards have reduced by between 35% and 40% since April, under PIAB. There has not been any impact on legal costs and we also have a significant number of claims that still have to wash through the litigation process, which could take a number of years.