Mr. Ciarán Breen:

I would not be able to isolate it exactly. Within the portfolio of clinical negligence cases we have a relatively significant number of cerebral palsy or catastrophic injury cases. Recently, one of those cases in total cost €32.5 million. That was an exceptional case and there were exceptional features associated with it, but it gives members an idea of the potential cost of any particular catastrophic injuries case. Given the number of those cases that we have, we can see why the liability is climbing. The fact of the matter is that in clinical negligence damages, settlements and awards are climbing. We expect that to happen in any event.