Before the announcement of the new health insurance levy we were planning an average price increase of 8% to reflect the increased costs of providing health cover, with the 20% increase in public hospital beds being a significant driver of this. The new levy amounts to 12% of premium for us and, while we are bearing some of the impact, we have no option but to increase our prices by 8% more than that we would have otherwise done. As well as not passing on the full impact of the levy to our customers we have ensured that the pricing increases on lower level plans are kept to a minimum.