Ms Moyagh Murdock:

I would not have the exact figure. I will ask my colleague to comment on this in a minute. That 3% profit comes after a period of making significant losses. It is an aggregated figure where losses were in excess of 20% for certain years. The problem is that a number of major players left the market and that figure, which is also based on the Central Bank's data, excludes the failed insurers that went out of the market. It is a very nominal return on investment, especially for people at group board level looking to reinvest in a market where there is only a return of 3%. There was an operating loss of 3% from 2015 to 2019. We started to see a return to profitability in 2020 and that was not just-----