Mr. Anthony Brennan:

I am very surprised because I checked our figures before this meeting. On motor insurance, for example, we have seen a 4% reduction in quarter 1 this year on quarter 1 last year, on average, across our policies. I stress that, like FBD, we have 500,000 customers, so perhaps some of their premiums have changed for other factors. The vast majority of Zurich customers, however, will have seen reductions in their motor insurance premiums over the past 12 months, not related to the cost-of-injury reforms.