John McGuinness (Carlow-Kilkenny, Fianna Fail) | Oireachtas source

I am sorry that I missed the witnesses' opening statements, which I have glanced through. However, from listening to the replies they have given to the members, it would appear they are hell-bent on blaming the insurance industry itself. They seem very concerned about the legitimate claims; I admire that part of it.

What can the witnesses' organisations do to reduce the costs?