I would like to confirm that the medical insurance in place for Tilleke & Gibbins does not have a ‘claims-related’ premium, rather it is community-rated. Basically this means that any claims made by your members do not heavily influence the renewal premium, rather the members are part of a larger community scheme and it is the claims made by this community that dictate the premium. The main benefit of this is that large claims can be more readily absorbed by a large community. If your premium was solely based on the Tilleke & Gibbins claims and you had one very large claim you could see a very substantial increase in premium.