The Bar Council has raised an issue which will be important if it is proved to be correct. It contends that insurance companies may put every case through the PIAB and subsequently reject the outcomes before taking those cases to court. If that happens, the board will have been a failure. I record my belief that the council is wrong on this point. That will not happen because it is in nobody's interest to act in that way. Unfortunately, I do not have time to develop in more detail the reasons for that.