Steven Matthews (Wicklow, Green Party)
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I might clarify the question a little, and I thank Mr. Bradley for his answer. I take it that would also be the answer from Mr. Connaughton. I understand that if somebody has made a claim because of an event that has occurred, such as flooding or damage, the premium may go up. That is the nature of insurance. Across the board in insurance premiums throughout the world, across everybody's insurance regardless of what it is, insurance companies have to look forward and anticipate increasing costs and apply premiums based on that. Do the witnesses accept that, across the board, climate events are putting up premiums for everybody, not just in claims situations?