Kieran O'Donnell (Fine Gael) | Oireachtas source

No. What I am looking at is simple. When we were doing the report around the insurance industry which was in parallel if slightly prior to the Minister of State's report, we had insurance companies coming in and saying "uncertainty this" and that would have fed into the Minister of State's report also. It was all abstract. If they are now saying the uncertainty around Setanta was one of the reasons for the problem with premiums, by definition there should be scope for the regulator to go back and ask what the companies factored in. That is in general terms, not in specific policies.