Like Senator McDowell, I am concerned about the position of an individual who approaches the board. Such an event is unique for the individual, but for the board, the insurance company concerned and the people on the other side it is an everyday occurrence. They hold all the expertise and there is no sense of a level playing field. There seems to be a throwaway line in the Bill that there is a duty on the board to help the vulnerable complainant, which seems to be to say to the person concerned at a certain point that he or she had better consult a solicitor. However, that involves an expense.