However, there was one essential and important difference in that system. The State ab initio wiped the slate clean and said there would be no dispute on the issue of liability, but that will not be the case in cases processed by the new board. Under the legislation, an insurance company or a defendant can, at the end of the process, say they do not accept the decision and they will return to the beginning to contest liability as well as quantum. That is the major flaw in the legislation because it is likely insurance companies will deliberately flush out the likely cost to them of cases if they were to contest liability and decide on that basis whether they will contest it.