I will now state how a new system might work, tying in with what Senator Ross has said. If we could deal with those matters, we could say to someone who has, for example, suffered a serious accident resulting in a limp that he or she can go to court to fight, with a likely sum of compensation falling within a certain range. The person can, however, make a deal to receive that sum now. If he or she is happy, and both sides sign up, we have effectively halved the costs. That is a possibility, and the PIAB is starting to develop such strategies regarding general accidents. It is its intention to examine them in motor insurance too. Dorothea Dowling, the chair of that group, is determined to fight against any obstacles that come our way, as are the other board members.