Mr. Aidan Connaughton:

We have done a lot of work. The NCID report shows the average premium from 2017 to 2020 decreased in the industry by 10%. AIG in that period reduced its rates by 16%. We gave customers a 4% discount for reduced driving through Covid in 2020 and repeated that 4% discount, which is currently being applied to policies falling due up to the end of April 2022. We have taken significant action. Whether it is at the same level, a little behind or a little ahead of other players in the industry, that is a matter of timing rather than anything else.