Ms Moyagh Murdock:

It is in our interest to bring as many new providers into the market as possible. We certainly try to inform them. We have no obligation. We have our own lunchtime meetings and we do try to introduce them to the stakeholders, including politicians. We have brought people into the office to promote insurance competition. We have introduced potential new providers to the Central Bank. Where we can give them guidance and help, we certainly try to do so. We do get mixed messages in terms of the reasons they do not necessarily want to start selling here. There is a significant burden and cost in regulation. There is significant oversight and that does cost small insurance operators quite significant amounts of money in terms of getting set up and selling business. This is the main reason we want to make sure we do not duplicate effort with the information supply. If we can make it a welcoming place where it is easy to transfer business from other jurisdictions by being able to marry into the same sort of regulation and systems, that makes it much easier to make decisions but-----