Mr. Ciar?n Breen:

That is very difficult. If, for example, we are transacting negotiations with plaintiff's lawyers, many offers are being put and many counter-offers are being put. While we record those, sometimes in our file notes etc., we do not actually document what they were originally looking and what did we ultimately settle at. If I may offer this anecdotal observation, frequently in catastrophic injury cases we are asked for sums of €50 or €60 million, which ultimately settle for sums in the order of €20 or €25 million.