Ms Derville Rowland:

The reason for that is because we are looking at the motor insurance market, in which more than 1 million policies are sold. We must take a relevant analysis of the market participants, the different business models they have, the different business lines they have, the costs supporting that and the strategies. We must ascertain the impacts on customers and directly contact those customers to find out the impacts on this so this is a wide and complex piece of work ranging across a number of dimensions. If the Deputy wishes, I could ask Mr. Cullinan to talk to him in detail about the complexity of the market in respect of which we must do the analysis.