Mr. Ger Deering:

I do. As has been said already, the Office of the Attorney General will obviously look at all of this in detail. There is a crossover with the Statute of Limitations. There is a distinction between a policy that is renewed every year and one that is purchased with a view to a pension in 15, 20 or 30 years time or a life insurance policy that becomes more critical as the person gets older. There will always be a distinction between those types of products. We need to look carefully at the interaction between the Statute of Limitations and the six-year rule for the one that is renewed every year. There is a distinction between them and they would be treated differently in terms of consumer-----