We also have to consider the role of the legal profession in driving costs so high, particularly in areas of undisputed liability. It is incredible that in such cases we still have to go through an elaborate legal process. Undoubtedly, that is a major factor in driving costs through the roof. My point is that a number of different approaches to the situation are required. The Government has set about these approaches in the correct manner. Legal reform is essential and there must be compensation boards where awards can be made without any issue of liability. The awards must be in keeping with common standards, particularly in the courts. I am confident the approach being adopted by the Government will bring about major reform and a reduction in costs. We are getting a positive response from the insurance industry. However, we must not rule out any one element of the tasks taken on by the Government, each one of which has a role to play in terms of leading to a more balanced insurance industry and better value for the consumer.