Ms Moyagh Murdock:

The number of awards that have actually been accepted is a tiny percentage compared to what has gone through in the past. They have passed on significant savings in the motor market. The liability market is much more challenging. We have not seen any of the awards coming through in any material numbers. We do not know whether we can pass it on at this point. We also have to have an eye on the solvency of the industry. The liability market, both employers liability, EL, and public liability, PL, has been significantly loss-making over the years. It is not in the consumers' interest and it is not in the whole competitiveness of this market to take-----