In very general terms, it is my view that our level of general damages is too high. We should move towards a situation where the level of general damages is lower, whether awarded by the courts or otherwise. It is out of line with the rest of Europe. We need to go back to first principles as to the reason we are compensating people – it is basically for the pain and suffering they may endure. We need to look more closely at the value we put on such pain and suffering. If we did so, we might well conclude that the level of general damages being awarded in Ireland is too high. I simply offer that as a general reflection, without suggesting it should influence the board. However, I suggest that practitioners associated with the insurance industry or the courts might give some thought to it.