Mr. Niall Gleeson:

I will let Mr. McCarthy come in in a minute, but a typical one would be, say, a burst pipe, which might flood a house. It might damage a car outside. The family might have to move out of that accommodation. We would have to put them up in a hotel. Those can be quite substantial claims when we have to refurbish the house. To be honest, with the network we have, it is very hard to prevent those kinds of issues.