Mr. Michael Horan:

Until we see a greater unblocking of the backlog in the personal injuries claims system, we will have to see how the situation transpires in relation to the guidelines and how they are implemented in the upcoming court cases. We are seeing a preponderance of minor or moderate injury claims being settled but in very small numbers. The data that have been quoted relate to a very small sample of between 10% and 15% of the number of settled claims we would see in a normal year. That is just the way things have developed over the last 12 months.