Mr. Mike Curtin:

As the Deputy will appreciate, we cannot really get into future pricing arrangements. From an insurer's perspective, it concerns them acting upon the adoption of the guidelines so far. Some categories of injury have seen a fall of 40% while others have seen differences regarding different injuries. The insurers will factor in their claims experience and the history across a number of injury categories. They will also take stock of how these settlements go through over the next 12 months once they are heard in the courts. It is hard to predict what is going to happen. With any transformative change like the adoption of the guidelines, there is a transition period where there is uncertainty. That seems to be the situation so far.