Mr. Pat Casey:

I cannot give an indication but what I can say is that when we put this to the liquidator, and I do not want to misquote him, he said that the Act provides - that is, the insurance compensation fund legislation - that claims by bodies corporate or unincorporated bodies are not covered by the fund, except where there is a liability to or by an individual. While Setanta has a significant number of commercial polices, it does not necessarily follow that most would not be covered by the fund. The liquidator said he does not have detailed breakdowns and that he expects that the majority of claims under those policies will relate to liability to individuals and would, therefore, be covered. That is what he is examining with his lawyers and Towers Watson in terms of providing us with further information.