Mr. Brian Hanley:

Yes. My understanding is that the Central Bank data from 2023, which relates specifically to liability - I am not talking about motor or any other form of insurance but in terms of liability, public employer and so on - showed a 13% operating profit margin across insurers specifically in the liability sector for that year. Of course, they are part of larger entities - I totally accept that - so what happens with reinsurance costs, remittances and reserving and so on needs to be looked at more fully. If we want full transparency, then we should have it, but I am happy enough that that is the Central Bank data for that year.