We could be starting to deal with those issues. The PIAB is currently examining them regarding personal accidents, excepting motor insurance, to develop a model. The next step for the PIAB would be to deal with motor insurance. We are taking this route because we know there will be legal resistance against every move to make the marketplace more liberal or easier for customers. The other huge issue that we have never addressed is the method by which people are compensated, even allowing for the form of compensation. In every other country that I have examined, there is a book of quantum that, crude as it may sound, allows a range of compensation for whatever type of injury a person suffers, be it the loss of a limb, an eye or a finger. People work on that basis.