Considerable preparatory work in relation to the study has been done. Tender documents in relation to necessary consultancy reports on the insurance industry, the insurance market and statistical and econometrical analysis have been issued as part of this work. It is envisaged that the bulk of it will be completed this year and that a report will be produced in the early part of 2004. This study should give us access to accurate information in respect of the insurance market. The reforms being introduced should bring new players into the market, thereby introducing more competition.