Mr. Ciar?n Breen:

I will answer it this way. If we are handling a claim and we can get it to mediation at an early stage, let us say, early in the proceedings when we are not anywhere at the defence stage, the savings on that would probably be in the order of maybe 30% to 40%. That is where we would be if we were, for example, beyond the defence stage and on the steps of the court. Therefore, it depends on where the mediation takes place within the timeframe of the claim and the ultimate resolution of proceedings.