Over the last 18 months I have urged the insurance companies not to take a short-term view of whether it is in their interest to settle something but to pursue those cases which they believe are exaggerated or fraudulent. We have seen a huge improvement in that far fewer personal injury cases are now being taken against insurance companies than was the case 18 months or two years ago. All the evidence suggests there has been a decrease. Much of this is not to do with the legislation, which is not yet on the Statute Book, but with the culture and environment being created by advertising and so on. People are beginning to feel the pressure – they know making a claim is not a costless act.