Mr. Brian Hanley:

This is up to the insurers. The insurers have to take that stand. It is great when we see some cases in the papers where they have challenged and chased cases, but we need to see more of it. It absolutely should be positively acknowledged when it does happen because suspect and fraudulent claims need to become as socially unacceptable as smoking indoors has become now. That is where we need to get to. We need insurers to step up on our behalf because they determine whether a claim is brought. There is nothing more frustrating for a business than knowing it is an unfair claim but the insurer decides to settle for financial expediency.