Mr. Peter Boland:

That is precisely the case. There are examples within the NCID where a certain amount of estimation has to be done. For example, investment income is attributed across motor, public liability, employer's liability and property insurance in a way that is not directly attributable. It is an estimate based on the work of individual insurers and consultation with the Central Bank. There are many moving parts in an insurance premium. I suspect there will be an amount of estimation involved in putting together numbers which show what premiums are like because of the judicial guidelines and what they would have been like without those guidelines. As I said, the oversight of that process by the Central Bank is critical in order to keep it solid.