Thank you.
Mr. Amlani, you stated that compensation should not be a part of this, because none was paid in the previous whatever number of years. However, would it not be the case that if you have no claims against you, your compensation, usually on the law society model, is that you pay a basic amount of insurance? If you have no claims, you pay the basic amount, and if you've had claims, you get a surcharge. Therefore, people who are acting in good faith and have no claims would not have to worry about paying too much insurance.