Mr. Tomás O'Midheach:

Regarding the growth, we can discuss the national claims database statistics for the proportion of claims absorbed by personal injuries but otherwise it would be confidential information for each individual company. We have determined the proportion of personal injury claims we believe are affected by the changes to the personal injury guidelines. We amended immediately on publication of the personal injury guidelines. After six months, we have considered and further reduced in light of that experience. Ours would be in concert with PIAB - roughly 40% reduction.