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Grant,
Do you think it is probable that 52k NIHL cases being worked on with none settling and therefore a significant cash drag has led to much of the negative cash flow and therefore the negative cash flow is actually invested cash flow which will come back with interest? The SG UK business has been mentioned as being called upon to help out with these cases because they (particularly Leo Abse) has a better record with NIHL. Is it conceivable this has created a further cash drag on the Uk business hence the November announcements? If this is the case, these are temporary effects surely and will wash through the system however long it will take (NIHL take up to 2years)