You would have to think there’s an element of that. What was not acceptable mid-Aug becomes worth the risk on 1 Sept.

There’s also always going to be ‘house style’ for anything medical, the same way there is in, say, insurance underwriting.

The same fella seeking insurance cover making the same disclosures about the same conditions may get different responses from any number of different companies. The variables being the risk appetites and medical underwriting methodologies of the different houses. All of which is opaque.