Can you outline for our listeners the key elements of the government's fraud strategy and how they're relevant to the insurance sector?

Sure, yeah.

So it seeks to bring in a move away from a formerly reactive approach generally to fraud to a more proactive prevention by building on collaboration across industries and that's underpinned by technology and data sharing.

Insurance is already on that journey but going back to the government's fraud strategy, there's three main pillars behind it.

So disrupt, safeguard and respond.

For insurers, in my opinion, disrupt is probably the most directly relevant for us.

It focuses on tackling fraud at source, again, through data sharing, through upstream interventions and infrastructure controls.

Rob, do you agree proportionate, structured, strategic spend is what's required to kind of stay ahead of the fraudsters in the current market?