I will proceed for a moment and give way in due course. Two points about the personal injury element are particularly pertinent.

I am grateful to my hon. Friend for her point, which I agree with.

My hon. Friend makes the point elegantly.

I, too, congratulate my hon.

I am not aware of any case where somebody has, but I am happy to take an intervention on that point.

I am grateful to my hon. Friend for her point, which I agree with.

I am just going to make a little bit of progress, but I will give way when I finish my next point.

I am not aware of any case where somebody has, but I am happy to take an intervention on that point.

I could not agree more with my hon. Friend and I thank him for that point.

I am just going to make a little bit of progress, but I will give way when I finish my next point.