Ms Moyagh Murdock:

We are very supportive of the mediation approach. Looking at the numbers, between 12% and 15% of claims are currently settled through PIAB, with a significant number going on to court. Some 10% of claims are settled immediately after PIAB hearings. Obviously, some sort of mediation goes on there. Some 60% of claims are settled through litigation before court. If we can make a big dent in that, it will take a significant amount of legal costs out of the process, which will be to the benefit to the consumer and to businesses.