Mr. Ed Sibley:

This is a topic in its own right that we could usefully spend some time on with the Senator. I would certainly be very happy to come back and do so if she so wishes. Much work has been done by us, including in the cost of insurance working group, to get at the cost of insurance in Ireland. There has been analysis comparing claims in Ireland and other jurisdictions, as I am sure the Senator will be aware, including cost of claims, soft tissue matters and the like. Recommendations have recently been made in trying to put more certainty and consistency into the claims environment, particularly with court awards-----