There are a number of points to respond to there. It’s worth reminding ourselves that indemnity insurance is a general issue across the UK, and it’s been an issue for some time. The need to do something about it has been accelerated by the announcement made by the then Lord Chancellor on the personal injury discount rate. There is a difference between those people that are working directly for health boards and the role of the Welsh risk pool, and those that are working as independent contractors, and we need to recognise that. So, this isn’t something where there’s an easy answer and demanding progress in the here and now will deliver the answer. In committing to a timeline for where we are, we are actually undertaking some proper market analysis. We’ve agreed on the appointment of someone to do that for us. I expect a report to come back into Government by the end of this calendar year, and that will then allow us to have a more detailed conversation about options, moving forward.

I know you made the point about not committing to a state-backed solution. That’s because I’m not in a position to do that. The announcement that Jeremy Hunt made on a state-backed solution is one that isn’t fully worked out. The announcement’s been made with 12 to 18 months to work out what that means, and we don’t know what that means for us in Wales or in Scotland or in Northern Ireland, because we haven’t been given the facility to understand what that means in terms of ‘state-backed’; we don’t have the power to do that here. If it’s going to be a state-backed solution that provides resource with the state standing behind GPs in England, we need to make sure that those facilities are available in every devolved nation. And of course, since the initial announcement it’s also been clear that GPs may need to top up their own premiums in any event. So, there isn’t a certain position that exists in England but an uncertain one uniquely here in Wales. I expect us, over the time that we’re working to, to have an answer for what options exist in Wales over the exact same timescale that people will move within England, and it’s important that GPs understand that message. That’s why I’m pleased to reiterate we have been and are continuing to work constructively with both the BMA and the royal college of GPs. I wrote to them at the time of the announcement and I will, of course, come back to inform Members when there is real progress to report. But this is an issue I take seriously, and I recognise the timescales to act.