In urban areas there are specialists in public liability compensation claims. How can the insurance companies not have noticed the same names coming up time again in claims, particularly against local authorities? How did it take local authorities years to vigorously fight back against some of the compensation specialists? As members of the public were willing to fork out 10% more on premia than they should have paid, this compensation culture emerged. It was not created by lawyers, whatever my other criticisms of them. I am not the greatest enthusiast for a competitive market economy, but those who are seem to want one in which lawyers will not be allowed to advertise because apparently that only gives people notions. How is it possible to have a competitive market economy if one profession, which participates in it, cannot advertise its services? I do not understand that.