The question of next year

- How does everyone on the panel think 2009 will pan out for the market?

Shaun: I guess 2008 has been the year of choice for the consumer in terms of how much they pay for their cover and where they buy it and I think that the aggregators are evidence of the consumer exercising that choice. I suppose the good news that comes out of aggregators is that at least it gives brokers an opportunity to compete with the likes of direct writers.

Simon: Ten years ago it was all about direct writers and how b