I'm not an expert on insurance, and I don't know if anybody here can help me. But what my understanding is, is that even where Government has given a direction that does not necessarily mean that you will be covered by your insurance. What we're finding in the private sector is that insurance companies are not paying out, because even when a Government has directed it, they do not regard this as a disruption to business. So, the insurance industry is not my area of expertise.
No, no, I accept that.
It's not my area of expertise, but from what I understand from discussions around the Cabinet table, this is particularly problematic. Let me give you an example about how we've been trying to overcome some of this—it feels like an awfully long time ago now— you'll be aware that we gave directions earlier around cancellation of school trips abroad. Trying to make sure that that direction came from the Foreign and Commonwealth Office, rather than the Department for Education was a real battle, because again there were fears that, unless that advice came from the Foreign and Commonwealth Office, insurance would not kick in, and that was a two-day discussion.
Okay. This is helpful to know, actually.