Jim O'Callaghan (Dublin Bay South, Fianna Fail)
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I am sorry for going on and I will finish now. I agree with Mr. Hassett on the legal costs. Looking at the Central Bank report, we can see the legal costs are reasonable when cases are resolved at the Personal Injuries Assessment Board, PIAB, or even before that stage. It is when cases are litigated that the legal costs become too large. They are too high a percentage of the award. Does the fact that so many cases can be resolved at PIAB not show that all the efforts of insurance companies should be focused on trying to settle cases there?