Ms Moyagh Murdock:

Obviously, last year and the year before were exceptional years with Covid-19 and the numbers of vehicles on the road. I would point out, however, that the vast majority of cases going through the Personal Injuries Assessment Board, PIAB, are motor claims and we have seen those premia reduce dramatically. Since 2017, it is 29%. The speaker from the previous session, Mr. Peter Boland, also acknowledged that is the case this year as well and they are actually accelerating. I believe the benefit of the awards that have gone through the system is feeding through. There is also an element of the Covid-19 impact in there, however, so I will not say this is all-----