(1) Whether she has found that the actions of the Road Accident Fund (RAF), of settling claims directly with the public without the backing of independent advisors, may constitute a conflict of interests; (2) (a) how does the RAF justify its practice of approaching patients directly in hospital and advising them on the prospects of a claim and discouraging them from claiming or making use of an attorney and (b) what training and experience do RAF representatives have to advise claimants in hospital of their rights; (3) whether she has found that the large number of people consulted in hospital by RAF representatives and turned away under circumstances where they do have claims indicates an attempt at reducing the number of claims against the RAF; (4) whether there is any such policy to reduce the number of claims; (5) how objective, reasonable and fair has she found the advice and eventual compensation for damages from the RAF to be under these circumstances?