Obviously I don’t know what the future holds in terms of medical inflation, but when budgeting for my own company I normally allow a 10% increase per annum. The 15% increase this year I hope is a one-off as it has a direct impact on all our community-rated clients. LawtonAsia’s own company insurance has suffered the same increase and we have therefore decided to take a deductible on the policy to try and encourage staff to think more carefully about their hospital bills.