If the PIAB is to reduce costs and streamline procedures for the delivery of compensation, then parties appearing before it must see an incentive for dealing with the body and accepting its recommendations. If an insurer agrees to send a case to the PIAB, that amounts to an admission of liability by the insurer. Accordingly, if parties are unable to accept the assessment produced by the PIAB, the matter should then go to a court hearing, but only to discuss the extent of damages, not the question of liability. That is the nub of amendment No. 12. If the Tánaiste does not agree to delete section 16, this amendment provides for the provisions of section 16 coming under the new section 32(4), on which I will speak later.