Mr. Aidan Connaughton:

We have engaged with the Central Bank on the review for differential pricing and as I mentioned, we are co-operating fully with the bank. We are very mindful of the Central Bank's guidance on the subject. Again, our overall average renewal premium is lower. It could well be we are different from the overall picture within the insurance industry but I assure the Deputy we are rewarding our loyal customers. We model our portfolio taking into account many customer satisfaction scores that come to us. They come from the same surveys that the Deputy refers to. We complete those same surveys ourselves.