“In truth issues which are being debated are being debated not simply for the sake of Mrs Baker’s£5,000 but for the sake of all the potential claimants and defendants in this litigation, and this litigation will have an important outcome in this NIHL context beyond this litigation itself for other potential claimants and other potential defendants in other industries as well. Therefore, the justice of the matter is to accept that it will not be Mrs Baker who bears any potential liability but the underwriters, who have been in the saddle effectively of the conduct of this litigation as a whole throughout.”