If I may my Lord there is an issue that was raised in my learned friends reply er which er was a new point er and where I do take issue with him and this concerns the issue of the relevance of the directive here     the, the issue relating to er whether or not the er Lloyd's Act and the society have got any relevance in respect of the directive, his submission as I understood it, was that under article one, eight, nine the directive only addressed itself to states, to the British Government and that therefore the reliance on the directive by the society and in relation to the Lloyds Act was er a misconceived er reliance.