Mr. John Newham:

The original concept behind the Personal Injuries Assessment Board, PIAB, was to facilitate an alternative process for the resolution of claims. At that time the framework was very much dependent on the judgment of the courts in individual cases. To answer the Deputy's question, this Bill is trying to introduce more predictability, and removing the volatility in terms of awards should have a downstream impact on insurance premiums, the insurance sector and for claimants. When claimants go to PIAB, they will have a much clearer understanding of what level of awards are likely with reference to the personal injuries guidelines.

I will hand over the more detailed questions on the impact of percentages to my colleague, Mr. Maher.