Mr. Peter Boland:

No. As we understand it, virtually no cases have got as far as the courts yet.

It is worth considering the process. Typically, a claim goes to PIAB, then to litigation and then, in a small number of cases, to the courts. We know what is happening within PIAB. We have had three reports from PIAB at this stage. The extent to which it is implementing the new guidelines is very impressive, but the vast majority of claims are settled privately in litigation between insurers and plaintiffs' lawyers. We have no transparency in that area yet. What we do not know is whether the insurers are implementing the new guidelines or, as suggested by some members, topping up a little on what PIAB gives.