And I wonder if you can explain that to listeners in as simple a way as possible.

Our submissions to the court are that risk is talking about biological risk.

It's talking about the risk of the accident occurring.

It's not talking about the cost, ACC.

If it was, the MPs were perfectly at liberty to put cost in there instead of the word risk.

They are mixing cost risk with biological risk, and that's one part of what we're saying.

The other part is that ACC have said the cost is this large number, and then said that motorcyclists should pay thirty-seven percent of it.

I can't believe that that's not the case for a civil matter.