Mr. John Cahalan:

FBD concentrates on small businesses. It typically insures businesses that are adjacent to our farm business, namely, small pubs, restaurants and the like. We are different from our competitors in that we have 34 branches right across the country. This means that FBD comprises a number of micro-businesses. We are a part of the business community and are very aware as to the consequences of small businesses not getting insurance.

FBD has grown its small business book so customers like dealing with us. We welcome anything that will help the small business seek the right level of cover in the marketplace. That is an important point.