Mr. Ciar?n Breen:

Yes. We always analyse our individual cases at our claims teams' meetings. We look at why a particular case might have gone on over an extended period and what the reasons were for that. We ask ourselves whether there were things to which we were contributing in terms of that length. We do that kind of analysis. Then, we also look at the behaviour of plaintiffs' lawyers who sometimes do not want to engage at an earlier time. The Chairman can imagine that in some cases, they do not want to because the longer a case goes on, the more costs they can claim, particularly in the adjudication of costs system.