Ms Jacqueline Thornton:

That is also the feedback we get. Our members do not want to spend large amounts of money getting caught up in years of litigation. We have called for the likes of the personal injury guidelines to try to move this on. That it is not being moved on is an issue for our members. Cases are going through the system and awards are being made via direct offers and PIAB offers, but there is a great deal of wait-and-see because people believe they might get more if they go to court. We do not know what advice claimants are being given. Our members have given their offers. As Mr. Horan mentioned, the volume of cases we would expect to have been settled by this point is down significantly year on year. It is only 10% to 15%.