Mr. Conor Faughnan:

Yes, I would certainly express disappointment. It is hard to put one's finger on it, but I would compare it to the road safety critiques that we were making in the past. One of the problems with road safety at the time was that it did not have a single owner; it had multiple actors. There were those responsible for road engineering, the National Roads Authority, NRA, the Garda, the Department of Transport, the Department of Justice, all of which were stakeholders. Everybody was full of opinions as to what the other guy needed to do, but there was no one person in charge. There was not at that time a Minister with Cabinet responsibility for road safety with a set of goals and actions stapled to the brief. That is one of the things that was improved and one of the real reasons progress was made. If one compares that to motor insurance, there is a similar set of issues. There are 2 million stakeholders, but in terms of the actors who affected it, this committee is talking to 22 or 23 different voices. They are all relevant. The document that we supplied to this committee is an evolution of a document that we published in November of last year. We have identified actions under five different headings, but there are different people who have to take those actions. There are some things that the Minister for Justice and Equality can do, there are some things that the Garda can do, there are some things that the Department of Finance and the regulatory regime can do and there are certainly things that the industry can do, but one of the central problems is that there is no one owner who has to deliver each of these actions.