Gerry Horkan (Fianna Fail) | Oireachtas source

Deputy Doherty has made a really valid point. If the increase is 40%, 60% or 70%, the premiums of a particular class of person who has not changed his or her car or address and has not had a claim has gone way out of kilter relative to what a lot of people would regard as pretty outrageous increases in the first place. Is it a situation where it is all the actuaries' call or are there other people-----