Mr. John Twomey:

Section 19 is relatively clear in that regard. If companies are of the view that there is a breach, they are obliged to report it to us. That is the purpose of the section. That is a consideration the insurance companies have to make. I will flip it the other way around and pose the question as to what is the rationale for the companies not forwarding the information to An Garda Síochána. Are they satisfied that the cases are not beyond the threshold set out in section 19?