Mr. Michael Kemp:

Where there has not been adequate liaising in the design of a scheme, differences of opinion arise concerning the adequacy of the defences. There is scope for different expert views. We pointed out the need of a number of stakeholders, including insurance providers, to be involved in the design of a scheme. While well intentioned, some of the work carried out does not address problems adequately. This may be the problem in the cases in question.