Jim O'Callaghan (Dublin Bay South, Fianna Fail)
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Does Mr. Thompson envisage that there will be further reductions in premiums? Obviously, the personal injuries guidelines have reduced awards by more than 10%. I am not saying there should be an absolute correlation between a reduction in the awards and a reduction in the premium, but is it envisaged that the RSA Group will have greater reductions it will be able to pass on to the consumer?