Mr. Brian Hanley:

I do not think we have formed a view yet on Mr. McDonagh's recommendation that there be a full review. It is important that we are here today and that we continue to be brought in to advise members on what is happening on the ground because we have had a myriad of excuses, one after the other, as to why we need to wait another day, month or year. The message is twofold: one, we do not need to wait a day longer for the for the benefits to be passed on; and two, yes there are additional reforms that are needed that will help to improve the situation for policyholders. The Alliance for Insurance Reform's board has not considered Mr. Pat McDonagh's suggestion, which I am aware came out only within the last 24 to 48 hours.