What is the state of the Scottish market?
▶ John M: The Scottish market is very buoyant in terms of competition – loads of competition on the broking and insurer side. Although that brings its own challenges, it’s certainly better working in that environment than being in a backwater. Everyone wants to be here, but rating strength could be better.
▶ Annie: If you look at the market as a whole and the combined operating ratio of the last five years for the market, I don’t think anything has been