Ms Moyagh Murdock:

A wait-and-see approach has been adopted by some solicitors in progressing cases until the judicial review is completed. We are optimistic that we will see a positive result. It is unfortunate that there are some cases still holding back on that. It is the Central Bank. In the last report, I think there was a loss of 3% in employer liability and 11% overall between employer liability, public liability and property. It is loss-making. We are optimistic with the new guidelines in place and the legislation on duty of care, insurers will start to see an impact on claims and, we hope, on profitability. Each individual insurer reports on its own profitability. We do not report on that.