Mr. Padraig Cribben:

Twelve months ago we felt so strongly that there was so little competition in the Irish market that we engaged with a firm of brokers here to specifically look at almost bespoke policies for the licensed trade using underwriters in London. We have probably since been able through that medium to help in excess of 10% of our members to find alternative insurance providers. I am not so sure that there is a cartel, but what I am sure about is that there is very little appetite within many of the insurance companies operating in Ireland to provide insurance cover for those involved in the trade.