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Yes, absolutely.

Are wider safety issues affecting insurance premiums?

The bill is narrowly focused because it is trying to navigate the legal context that it will sit within. You are saying that, if we widen it, there will be many other aspects that would need to be considered, which could start to take more time, whereas there is a need to get on with the job.

No apology is needed. We need to get this right and have that clarity of understanding so that everybody is moving in the right direction.

That is interesting. I think that the point about four definitions of height, which was made by the previous panel, applied to England. I do not know what the situation is in Scotland, but clearly there are differences north and south of the border, as Calum McQueen said.

Pam Gosal has a couple of questions.

That would be very welcome.

Okay, perhaps we will go to John Marr on that one.

Mervyn, would you like to come in with the insurance perspective?

I think that there is more to that issue, but I will move on so that we get to some of the other questions that we want to ask.

Thanks for that perspective.

I have one final question. Do you think that there is a sufficient number of qualified fire engineers, surveyors, other building industry professionals and contractors in Scotland to undertake single building assessments and cladding remediation within a reasonable timescale? If not, how might any shortfall be tackled? I would be interested to hear your perspective on that.