Senator Coghlan will understand this aspect more than most people. He and I have discussed the issue on a number of occasions and we agree with 99% of what is in the legislation. There are no tricks here. If the form is not completed, the PIAB will contact the claimant stating that it was not provided with full information. I want people to be practical. If it is a fraudulent case or a case that will be argued, it is not the type of case with which the PIAB will deal. This is the crucial issue to be understood. When the case goes to the PIAB it will say, "These were the circumstances of the accident and this person broke a limb in three places". It will then contact the insurance company – assuming the respondent is insured – which will ask what is the PIAB's view on the claim.