Mr. Bernard Sheridan:

As I mentioned, where we see the rate going above the current rate relative to their peers, we reject the requests for increases. Essentially, as Mr. Murphy mentioned, if they are not proposing changes to the rates, we are looking at their accounts to see if they are making super normal profits on their business and whether it has changed year on year. If nothing significant has happened and they subsequently come looking for an increase, we generally reject the request for an increase.