Mr. David Fitzgerald:

Yes, there are backlogs in the courts, although I cannot speak for the entire sector. We can speak for our own claims and there is certainly a backlog. We try to prioritise the claims where we can through the Personal Injuries Assessment Board, PIAB, and we are big supporters of what is going to be called the personal injury resolution board. We try to steer as many of our settlements as possible through that body but some of them go through litigation and there are delays in the courts. It would be fair to say there is a backlog.