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11:04 you're wrong. If you said that some in our sector had made this mess you might be on some solid ground, but not very much.

There isn't actually a mess other than in the system. And the system wasn't created by those that use it but by government. those that have profited have simply use the system to their advantage.

Me, I'd do the following:

1. Get rid of CMCs and ban advertising.

2. Get rid of medical reporting agencies - have all experts on a central database with direct instruction in ALL cases

3. Ban 3rd party capture.

4. Ban internal referrals.

5. Legislate so that freedom of choice of solicitor means exactly that so BTE providers cannot argue the toss.

6. Require claims suspected to be fraud to be litigated. This is a pipe dream of course as the decision is really a financial one made by insurers and it is easier for them to trumpet fraud figures that are suspected rather than proven.

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