Mr. Brian Hanley:

I think so. Brokers have a crucial role in that respect because they are the interface between the customer and the insurer if there are changes, and typically people are working with their broker for many years and have relationships with them. That is an important role within the whole function in terms of sharing that information because the Deputy is right. Policyholders are essentially paying more now and getting less in terms of the product because of the exclusions and so on. Brokers have a key role in the education piece and any critical changes in policies. It is an area well worth pursuing.