Mr. David Fitzgerald:

I am not sure we have anything up to date on that. Those are the types of questions we would ask our actuaries. They operate on behalf of a number of other insurers. They tell us that the accidents we deal with tend to be worse than what would be seen in the industry. However, I do not have an analysis for the Deputy which would indicate that it is an exact percentage - for example, 12%. It is just the advice they give us when we are setting our reserves for our accounts.